Husband not on house deed or mortgage

[jess78 0]

Hi everyone, I received a RFE on my I-751 like 2 months ago and due day is this month. Rfe only ask for deed and mortgage in both our name.  I bought a house after we were married. The house deed and mortgage is on my name and it was my solo asset because I was the one who got the loan and making the monthly payments. My husband does not work because he can not speack english really well, so I am taking care of all our spent. I just want to protect myself. I have friend who's wife left him after getting 10 year card and get half of his asset like money and house everything but her wife did not contribute to their spent at all my friend paid everything. And I really do not this happen to me. So how can I proved the rfe when I do not have it. Thanks

[Scandi 4,166]

If you bought the house after you got married then half the house is likely his anyway, no matter if his name is on it or not. Usually everything that is acquired during the marriage will be split between the two spouses at a divorce. 

[jess78 0]

8 minutes ago, Scandi said:

If you bought the house after you got married then half the house is likely his anyway, no matter if his name is on it or not. Usually everything that is acquired during the marriage will be split between the two spouses at a divorce. 

I check and it show sole property

[xillini 71]

Can I ask you how the RFE is worded out? That is very interesting response USCIS asks for. 

 

The bottom line is you can explain why in detailed and thorough letter describing the nature of your finance and so on. 

[jess78 0]

7 minutes ago, xillini said:

Can I ask you how the RFE is worded out? That is very interesting response USCIS asks for. 

 

The bottom line is you can explain why in detailed and thorough letter describing the nature of your finance and so on. 

 

[Scandi 4,166]

4 minutes ago, jess78 said:

 

"Such as" means that these are examples of what you can send. Examples, meaning it could be other things instead, those listed are just examples of evidence.

[jess78 0]

1 minute ago, Scandi said:

"Such as" means that these are examples of what you can send. Examples, meaning it could be other things instead, those listed are just examples of evidence.

but i already send id, car insurance, house insurance, car title, bill and so on and it said do not send things you already send. I really can not think about other.

[Liam2021 583]

Seems like you missing some critical evidence: join bank accounts,  join tax return, or driver license with same address.

[jess78 0]

2 minutes ago, H&T said:

Seems like you missing some critical evidence: join bank accounts,  join tax return, or driver license with same address.

i send those as well

[xillini 71]

1 hour ago, jess78 said:

 

This is generic response from USCIS to ask for more evidence, not specifically asking for deed/mortgage. 

So you can send more evidence for joint ownership (such as auto title/or joint lease if applicable). 

 

Generally, although it depends on your resident states, your mortgage may have your spouse included in case something happens to you (your death) because lenders absolutely hate and hate taking any chance, and anything can possibly happen to borrowers, in case the lenders would have losing their money if there had not been a clause to go after the borrower's spouse. (Generally, they can only go after spouse, but no further such as borrower's parents or children, meaning that if the borrower is single, lenders are taking greater risks, and therefore APR might reflect on this).

So I am sure you can include that as part of your joint financial responsibility since it is legally binding contract. 

 

Not only this clause, but many other mortgage clauses often requires spouse's signature 

 

In addition, if you have Club membership (such as COSTCO or Sams' club), that will help. Also if you really want to make sure, you can just find affordable online legal contracts such as POA and Will, and reach agreeable term and condition with your spouse and have sign. 

 

While you can only submit what you only have, since you have still sometime left, you can still go after more.

 

Hope this helps. 

[jess78 0]

Just now, xillini said:

This is generic response from USCIS to ask for more evidence, not specifically asking for deed/mortgage. 

So you can send more evidence for joint ownership (such as auto title/or joint lease if applicable). 

 

Generally, although it depends on your resident states, your mortgage may have your spouse included in case something happens to you (your death) because lenders absolutely hate and hate taking any chance, and anything can possibly happen to borrowers, in case the lenders would have losing their money if there had not been a clause to go after the borrower's spouse. (Generally, they can only go after spouse, but no further such as borrower's parents or children, meaning that if the borrower is single, lenders are taking greater risks, and therefore APR might reflect on this).

So I am sure you can include that as part of your joint financial responsibility since it is legally binding contract. 

 

Not only this clause, but many other mortgage clauses often requires spouse's signature 

 

In addition, if you have Club membership (such as COSTCO or Sams' club), that will help. Also if you really want to make sure, you can just find affordable online legal contracts such as POA and Will, and reach agreeable term and condition with your spouse and have sign. 

 

While you can only submit what you only have, since you have still sometime left, you can still go after more.

 

Hope this helps. 

joint lease we do not have it because i bought a house.

 

thanks i have Club membership and gym membership and i give to them as well when i file removal. i guess they do not like it.

 

find affordable online legal contracts such as POA and Will, and reach agreeable term and condition with your spouse and have sign. 

 

where can i find it can you share a link? thanks

[Scandi 4,166]

5 hours ago, jess78 said:

but i already send id, car insurance, house insurance, car title, bill and so on and it said do not send things you already send. I really can not think about other.

But it must have been a year or more since you sent that evidence, no? So they're asking to see more from when you filed until today's date. You should have been able to collect a ton more bills, insurance papers, bank statements etc since you filed your ROC.

[xillini 71]

8 hours ago, jess78 said:

thanks i have Club membership and gym membership and i give to them as well when i file removal. i guess they do not like it.

 

find affordable online legal contracts such as POA and Will, and reach agreeable term and condition with your spouse and have sign. 

 

where can i find it can you share a link? thanks

Sometimes, they might still want to check if your membership is still on going because theoretically it is possible that you and your spouse applied to membership just for the sake of I 751 or N 400 process and cancelled the membership after the I 751 was filed, so I would still send everything since I 751 was filed to update the information, unless the RFE letter specifically includes that USCIS receives these items and "Do Not Send". 

 

Like I was mentioning, most of mortages paperwork includes your spouse as a successor for the title or deed to pay off the mortgage in case anything happens to you, so that can be also included in RFE (unless you specifically negotiate this terms with lenders and lenders agreed upon) and you can explain why title/deed is only on your name, but you and your spouse both share financial responsibility. 

 

If you just google online power of attorney or Will, there will be multiple websites you can find. 

[Georgia16 2,858]

13 hours ago, jess78 said:

Hi everyone, I received a RFE on my I-751 like 2 months ago and due day is this month. Rfe only ask for deed and mortgage in both our name.  I bought a house after we were married. The house deed and mortgage is on my name and it was my solo asset because I was the one who got the loan and making the monthly payments. My husband does not work because he can not speack english really well, so I am taking care of all our spent. I just want to protect myself. I have friend who's wife left him after getting 10 year card and get half of his asset like money and house everything but her wife did not contribute to their spent at all my friend paid everything. And I really do not this happen to me. So how can I proved the rfe when I do not have it. Thanks

We bought a house. You are married does not matter if his name is on there or not it was bought when you guys were married and the court would look at it that way. I feel bad for your spouse with that mindset. I get you wanted to protect yourself but then you should have gotten a prenup before marriage and not hold this over his head now. What should all those couples do that have a homemaker or stay at home parent. Should it just be only the working persons things, house, cars and so on. Nope thats not how it works.

 

A side from that they are just asking you to provide more evidence. Were did you guys live before you bought the house? Is there a lease for that?

Get the 2018 tex transcript, bank documents and everything from when you sent in the petition til now and supply with that.

[Lance27 19]

13 hours ago, jess78 said:

I check and it show sole property

If you live in a community property state, any property acquired after marriage belongs to both parties.