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Refinancing is simply obtaining a new loan, and should not change the names on the title. If someone is trying to take your name off the title during refinancing, they are trying to cheat you out of your share in the home. Refinancing has no effect on the title of a real property. The changing of title to real property is controlled by the laws of the state in which the property is located. It is extremely important to discuss the way property is to be held before the title is issued to avoid future legal complications. Tenancy-in-Common, Joint Tenancy, Joint Tenancy With Rights of Survivorship or Tenancy-By-The-Entirety (for married couples only). Refinancing can be used to change the names on both the mortgage and the title. That said, there are scams out there where the person who originally owned the house is told they can't be on the mortgage loan and so can't be on the title. THAT IS NOT SO. Look for another lender and question the morality of the person who wants to do this "for" you. In the case of a divorce or other split, one person can sign a quitclaim and a warranty deed and then the names on the title can be changed.

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Q: What is the normal protocol in regards to the names on the title when a homeowner refinances?
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