I want to add my spouse to the deed on my house so we can get equity loan in both names.?
967964
The title company should have the paperwork...when you go to get the equity loan from the mortgage company, they should order title work and they handle all of it.
376199
Let's say Bob Jones's name is currently on the deed and he wants to add Jane Smith.  The best way it to file a new deed trasnfering the property from "Bob Jones" to "Bob Jones and Jane Smith."  Then that deed needs to be notorized and filed with the county clerk.
140311
It may be possible to do it yourself if you're just trying to put a 2nd on, leaving the property in your name [and ultimate responsibility for the current loan], but you're playing with fire regardless. If you're in a 'deed of trust' state [rather than a 'mortgage' state], you should definitely contact an atty. Basically you would need a security instrument [either a mortgage note or deed of trust] and a promissory note [the repayment terms]. You'll need a warranty deed to convey the property if you're truly selling it--the title company may be able to help with the deed. Often, these forms can be obtained at 'old time' office supply stores, but completing them correctly is something else. However, your current mortgage probably has a 'due on sale' clause if you're doing a complete sale, which means that when ownership is transferred, the lender expects to be paid in full. The accounting [the payment split between principal and interest] changes with each payment, so it could be an accounting nightmare if mishandled. So you can see, there are a lot of technicalities here. I haven't even gotten into 'title work,' which the buyer may rightly be expecting, IF you're doing a real sale. You might want to consider a lease-option, which leaves you in ownership while the buyer makes monthly payments to you [and adding to the downpayment over time].
133149
Since you have another on the deed, you probably will need them involved. You can probably get a home equity line of credit with your exixting mortgagor for 80% of the balance your property is worth, with the other person's approval. Try getting a credit card that will give you checks, if you don't want the other party to have knowledge. If your credit is good, it won't be an issue. Check your existing credit, close out unused lines of credit, you are entilted to one free credit report annually. try the link below.You may need more than one credit card to get the amount of cash you want. There may be fees involved too. Do you have access to a credit union or bank? Personal loans are also higher in interest rate. If you are retired you may want to look at your other assetts:  401 k, IRA, pension, etc.
881610
If you can't come up with all the mortgage you are left with no other options. If you and him are both on the title...you have to change that and get only your name on it if you will be the only one paying for it....sorry......good luck... :(
289694
If you owned the property outright, you could just sign a quit-claim deed over to another person.  If this property and mortgage is in yours and another person's name, the other person will have to arrange to have the mortgage in just their name first before you can sign it over to them.  Best thing is to check with who you have the mortgage with.
265306
Ideally, your name is in the vesting of title.  ie owner one and owner 2 as joint tenents with right of survivorship.  If you were not on title, you need to prove that your were effectively a joint tenent.  This is easy if you were married, or common lay wed.  If you were not, your state specific laws come into play.  You can look on youyr states Dept of Real Estate Website, wihich is typically linked to the states official site.  At the very least they will have a number you can call for more information.  Good Luck.
103399
I wouldn't do it.  You are risking the equity that you have built in your house.  Also, you would need to generate a high rate of return just to pay for the interest on that loan.  High Return = High Risk!
435326
The only way that someone can be added to the title of your property is if you sign a deed.  There is no way that your spouse can refinance the mortgage on your property unless you sign a deed adding him as an owner or if you sign the mortgage documents.
784350
not enough info....two loans? 1st and 2nd?  home equity etc. unless there is equity in the home that you can access, the only option is a personal loan  unless you sell the house and have it deeded in both names...a reverse mort might be an option, however, that is usually only avail to seniors.....you could do a promissory note and use purchase money mort as a way to have the one party buy even amounts...ask a real estate atty
182728
Just copy what was on the previous deed, changing the dates and names to the new ones.\n\nSince you don't say what state you are in - if you are even in the US of A, no one can answer you. The chances are there is no legal form, but just language that lawyers use in your area.
944186
Laws governing property and spousal rights vary widely from one state to the next. Go see a lawyer. Initial consultations are usually free.\n\nWith that said, in many states it doesn't much matter whose name is on the mortgage. Assets acquired while a couple is married are generally considered to be jointly held. And so, a wife who moves out nonetheless has a property interest in the house whether she co-signed the mortgage or not. The same is true for any other property and investments.\n\nIt will behoove you (especially if there are children involved) to not be guided by what any of the folks here are saying (including myself). Call a local lawyer who will help you to keep a share of what is rightfully half yours.
980692
The easiest thing to do would be to contact the mortgage holder and have them put you in the title of the property as a joint tenant with him.
986772
if you own the house, a home equity loan would be in your favor.. i don't think you can use the house 4 collateral, if you don't own it.. but i could be wrong..
226979
It all depends on whose name is on the deed and mortgage.  If it's in one name, then the person who is named is responsible.  If you both are on it, then it's just like selling the house when you are married, just split the profit evenly.  If the deed is in one name and the mortgage is in both names, then the one on the mortgage who is not on the deed may get screwed, because that person has no ownership in the property, but is still responsible for the mortgage.  Don't sell it too cheap, because courts will look at sale prices and actual value and they tend to get upset if you sell a $150,000 for $50,000.
214278
Possibly only one of you could get the loan, although both would sign the mortgage.  My wife had no credit history when we bought, so I took the loan and both of us took the mortgage.\n\nIn some states and under some circumstances, the bank might demand both of you to qualify.
753728
Find another partner that is handsome and loving like me and then in time he can replace your old partner and put his name on the house and pay with you