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In most states this is possible. Contact a title company or local real estate attorney. You may be able to do a Quit Claim Deed adding yourself to the Title.

This will require the person who is currently on title to sign and approve the addition.

If you use the title company that did the original work for the mortgage they may not charge to draw up the document. My Escrow Officer will frequently do these documents for my clients at no charge.

You will usually have to pay a small recording fee with your county recorders office.

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โˆ™ 2007-12-19 14:23:34
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Q: If your name is not on mortgage application can your name be on the mortgage title?
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How long a Preliminary title report good from the time of mortgage application?

The title report should be dated as to the date the examination covers. When the mortgage is recorded the title report will need to be updated up until the recording of the mortgage.


What if your name was on the mortgage application and the note but didn't make it onto the mortgage which was in the name of the co-owner only. can you get out of paying that debt?

You could not be approved for a mortgage because your credit was too poor and you needed a co-signer. Your co-signer was wise enough to arrange that the title be in his name also. You signed the mortgage application and the note. Through inadvertence and error the bank didn't have you sign the mortgage. It has enough evidence to "reform" the mortgage in court. You are responsible for paying the debt.


How do you get your name on husbands mortgage?

You have to apply for a mortgage jointly for both people to be listed on a mortgage. You can however have your name added to a title of a house with simple paperwork.


Are you obligated for the mortgage if your name is on the title?

You are obligated for paying the loan if you signed the mortgage. If your name was added to the title after the mortgage was granted then you received your interest subject to the mortgage. If it isn't paid the lender will take possession of the property by foreclosure. If your name was on the title prior to the mortgage and the lender didn't have you consent to the mortgage then the lender made a big mistake and can only take possession of the interest of the person who did sign the mortgage.You are obligated for paying the loan if you signed the mortgage. If your name was added to the title after the mortgage was granted then you received your interest subject to the mortgage. If it isn't paid the lender will take possession of the property by foreclosure. If your name was on the title prior to the mortgage and the lender didn't have you consent to the mortgage then the lender made a big mistake and can only take possession of the interest of the person who did sign the mortgage.You are obligated for paying the loan if you signed the mortgage. If your name was added to the title after the mortgage was granted then you received your interest subject to the mortgage. If it isn't paid the lender will take possession of the property by foreclosure. If your name was on the title prior to the mortgage and the lender didn't have you consent to the mortgage then the lender made a big mistake and can only take possession of the interest of the person who did sign the mortgage.You are obligated for paying the loan if you signed the mortgage. If your name was added to the title after the mortgage was granted then you received your interest subject to the mortgage. If it isn't paid the lender will take possession of the property by foreclosure. If your name was on the title prior to the mortgage and the lender didn't have you consent to the mortgage then the lender made a big mistake and can only take possession of the interest of the person who did sign the mortgage.


If you are moving into your partner's house how do you put your name on the mortgage?

Unless your partner adds your name to the title and then refinances, there is no way for you to get on the mortgage.


Do banks only consider the name on the title when checking credit?

The lender will consider the credit of the people that will be applying for the mortgage. Anyone with bad credit will only hurt the other person's chance of getting the mortgage. If they can apply by themselves they should. After the the closing of the mortgage and sale--anyone can be added to the title --it is called a quit claim deed. The bank will consider the credit of all people on the application. They will want anyone on the Title to be on the Application. In order for the party with bad credit to not be considered, they must remain off the title and the application. Only income of the people on the application will be considered for the debt ratio. A bank might, but a mortgage company won't. On a conventional loan you can have only one spouse on the loan application and both on the title. This is done all the time. Call me if you have any further questions. Rachel, Capital Lending, 504-818-0400


What happens if you go for a mortgage and don't tell them you already have a mortgage?

The lender will have the title to the property examined to disclose any outstanding encumbrances. It does not rely on your honesty on the loan application. They will then contact you to say, "Mr. Jones, you have a mortgage on your property that you failed to note on your application. Your application is denied since you have much less equity in your home than first claimed and you lied on your application."


Can your nickname be valid in a mortgage application?

The name on a mortgage application would have to be your names in full, lenders would not accept nicknames. Even if you changed your name by deed poll you would still have to decalre that and also the name you were known by previously


Why are you being foreclosed on if your name is not on mortgage?

If your name was ever added to the title after the mortgage was granted then you will be named in the foreclosure to fulfill the obligation to give notice to all interested parties.If your name was ever added to the title after the mortgage was granted then you will be named in the foreclosure to fulfill the obligation to give notice to all interested parties.If your name was ever added to the title after the mortgage was granted then you will be named in the foreclosure to fulfill the obligation to give notice to all interested parties.If your name was ever added to the title after the mortgage was granted then you will be named in the foreclosure to fulfill the obligation to give notice to all interested parties.


What information is included in the title bar?

The application and the file name


How much is a mortgage closing cost?

A mortgage closing cost may include any or all of the following: discount and origination points, the application fee, appraisal fee, credit report fee, title search and title insurance, and a survey fee.


Should your parents have you on the title of their house to avoid forced sale?

If your parents granted a mortgage and then default on the payments, adding you to the title after granting the mortgage will not stop a foreclosure.If your parents granted a mortgage and then default on the payments, adding you to the title after granting the mortgage will not stop a foreclosure.If your parents granted a mortgage and then default on the payments, adding you to the title after granting the mortgage will not stop a foreclosure.If your parents granted a mortgage and then default on the payments, adding you to the title after granting the mortgage will not stop a foreclosure.

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