Husband owns House... should my name be on Deed?

[frostiana 12]

Hi VJ'rs,

I would appreciate experience /opinions on this subject: We just got married, and we don't know whether it would be advantageous or even possibly a disadvantage to have my name on the title to the house. It has a mortgage. Before bothering to consult a lawyer with his own agenda, I wondered what advice I can get here...

Thank you!

[Chris921 13]

There won't be any harm in it, in fact it will be beneficial to you to have your name on the deed when it comes to the aos interview if they want you to prove a bonafide marriage, anything you guys have jointly will help

[Flames9_RN 358]

On our first place, I wasn't on the mortgage (I had no USA credit) But I was put on the deed. Thus if she had kicked me out, I would have still had claim to it. BUT she has NOT smartened up and has kept me around,lol. But a few yrs later when we re-financed thanks to thew lower interest rates, I was then added to the mortgage.

Edited November 28, 2011 by Flames9_RN

[Udella&Wiz 325]

Hi VJ'rs,

I would appreciate experience /opinions on this subject: We just got married, and we don't know whether it would be advantageous or even possibly a disadvantage to have my name on the title to the house. It has a mortgage. Before bothering to consult a lawyer with his own agenda, I wondered what advice I can get here...

Thank you!

You're kind of ahead of the game - you just got married and filed AOS, right? Yes eventually your name should probably be on the deed to the house just because you are married....I was not initially on the added to our house deed because when we bought the house my hubsand was the name on the financing and mortgage (long story but since they wouldn't use my good Cdn credit rating, my non-existent US credit made out rate worse).

I'm not sure but you may need to wait until you actually have a legel status in the US...right now you're between K1 and GC - I don't know this for sure, but someone will chime in.

It will make no difference when you go to remove conditions (ROC) after the 2 yr GC whether your name is on the deed or not....mine wasn't and USCIS didnt blink an eye (we had plenty of otehr evidence of mingled finances and lives) - there was a logical explanation and had they needed to ask I would have given it to them.

Neither an advantage or a disadvantage - eventually though you want it to also be in your name in the event that something horrible happens and your husband passes away - you don';t want assets frozen/ taken away because they're not in your name.

[Wyatt's Torch 45]

Yep. Just adding to the chorus here. You should definitely opt to have your name on the deed. There's no good reason not to, in my opinion.

[Ban Hammer 13,340]

having your name on the deed may require a letter from the mortgage company - i went through the same fiasco with citimortgage.

they would allow the wife´s name on the mortgage, if i refinanced....i think citimortgage is another language meaning ´gouge them for all the money you can´

solution to it - did a transfer on death deed and filed it at the local courthouse, thus if i do pass away before it´s paid for, the house is hers - just she has to refinance.

[Kimbear 53]

Hi VJ'rs,

I would appreciate experience /opinions on this subject: We just got married, and we don't know whether it would be advantageous or even possibly a disadvantage to have my name on the title to the house. It has a mortgage. Before bothering to consult a lawyer with his own agenda, I wondered what advice I can get here...

Thank you!

Well it would look great for Aos Purposes. I know here in Illinois i cannot be on the mortgage papers but i can be on the (title) Deed. Course if you divorce, according to Illinois law the wife gets 50/50 no matter what lol something my loan officer told me just in case she said lol.

Honestly, it was a nobrainer for us..we're married, so ya our names will both be on it lol.

[thetreble 19]

Yep. Just adding to the chorus here. You should definitely opt to have your name on the deed. There's no good reason not to, in my opinion.

There is only one instance, in my opinion, where it could be hurtful.

For example, our house is now worth $100,000 less in value then what we owe. If we have to foreclose on the house, both of our credit scores will be horrible.

In the case where only one partner is on the deed and mortgage, at least your other half goes unscathed.

[Flames9_RN 358]

There is only one instance, in my opinion, where it could be hurtful.

For example, our house is now worth $100,000 less in value then what we owe. If we have to foreclose on the house, both of our credit scores will be horrible.

In the case where only one partner is on the deed and mortgage, at least your other half goes unscathed.

Funny you mention that----with the downward spiral of the housing market--when couples divorce and they are upside down on their mortgage, they fight to see who gets stuck with the house! Crazy world! lol

[frostiana 12]

Funny you mention that----with the downward spiral of the housing market--when couples divorce and they are upside down on their mortgage, they fight to see who gets stuck with the house! Crazy world! lol

ok i'm convinced now... I will not care if I'm on the deed! We are so legit as a couple I can't see how it would be a deciding factor at the interview.

[sheeshkabelle 153]

My husband was added to the deed of trust to the house, after we were married. He is not on the mortgage paperwork. I financed through a local credit union. They didn't care one way or the other, as long as MY name was listed on the deed FIRST.

All it took was some paperwork filed at the county courthouse. Now the property tax bill comes in both our names More evidence for us!