Is having spouse mandatory on house mortgage for I-751

[Vj USerrr 12]

Hi ,

 

I (U.S Citizen ) have filed I-751 application with my spouse ,we submit every single documents such as our child birth certificate ,joint taxes ,joint bank statements ,family pics ,health insurance ,joint club cards ,joint utility bills ,medical bills ,our child pediatrician summary visits accompany by I and my wife. and so on but what i didn't submit was my mortgage document as house is on my name (which i bought before our marriage ) and I just didn't bother to add my spouse name because her credit isn't good yet and we thought we can buy another house on her name as first buyer so we only have to put 5% down . My concern is it mandatory to have spouse name on house mortgage for I-751 approval ,I saw some youtube videos and they mentioned that in interview letter they asked you bring documents which you haven't submitted with your I-751 application ,in my case mortgage document .And then if you don't produce joint mortgage document they will deny your application .Does anyone have experience with that kind of situation or should i just have her added now .If this is something which they think is must have then i can contact my mortgage and have her added ,if not then for reasons mention above ,I am thinking to keep as it is so we can buy another home on her name in future.

 

Thanks

[aaron2020 11,651]

No.  It's not mandatory to have your spouse on your mortgage.  

 

For the I-751, you are providing evidence of a commingle life as husband and wife.  Nothing is mandatory. 

Some things are more common than others.  Some people keep separate bank accounts.  Both names may appear on utility bills.  

Not unusual for assets acquired before marriage to remain separate property; especially when there are kids from prior relationships. 

[Vj USerrr 12]

5 minutes ago, aaron2020 said:

No.  It's not mandatory to have your spouse on your mortgage.  

 

For the I-751, you are providing evidence of a commingle life as husband and wife.  Nothing is mandatory. 

Some things are more common than others.  Some people keep separate bank accounts.  Both names may appear on utility bills.  

Not unusual for assets acquired before marriage to remain separate property; especially when there are kids from prior relationships. 

Thanks for your feedback ,that's what i thought .I mean in interview they can ask any questions to validate if we are living together or if our marriage is bonafide but I was just worried if they can deny our application just on the basis of not having joint mortgage or lease documents . As i was watching some people previous experiences and they said they send you a interview letter with any require documents which you initially haven't submitted (mortgage or lease document in my case ) and they can deny your application if you don't bring those documents at the time of interview . 

[Sukie 1,463]

Not required.  I owned my house before we married, so my spouse is not on the deed, and we have no mortgage.  We sent copies of both of our driver's licenses showing we live at the same address.

 

Best of luck.

 

Sukie in NY

[Vj USerrr 12]

3 hours ago, Sukie said:

Not required.  I owned my house before we married, so my spouse is not on the deed, and we have no mortgage.  We sent copies of both of our driver's licenses showing we live at the same address.

 

Best of luck.

 

Sukie in NY

Thank you for your feedback and clarification this means I was just worried for nothing .We did also sent our both driver license showing same address . 

[mindthegap 2,590]

No

[JeanneAdil 6,517]

My mortgage company said to do this i would need to refinance and pay new closing costs so  i just did a quick claim deed for that i typed myself and added his name to deed and property taxes

but i did this to show commingling of fiances for the visa to be approved 

[Nitas_man 3,100]

20 hours ago, Vj USerrr said:

Hi ,

 

I (U.S Citizen ) have filed I-751 application with my spouse ,we submit every single documents such as our child birth certificate ,joint taxes ,joint bank statements ,family pics ,health insurance ,joint club cards ,joint utility bills ,medical bills ,our child pediatrician summary visits accompany by I and my wife. and so on but what i didn't submit was my mortgage document as house is on my name (which i bought before our marriage ) and I just didn't bother to add my spouse name because her credit isn't good yet and we thought we can buy another house on her name as first buyer so we only have to put 5% down . My concern is it mandatory to have spouse name on house mortgage for I-751 approval ,I saw some youtube videos and they mentioned that in interview letter they asked you bring documents which you haven't submitted with your I-751 application ,in my case mortgage document .And then if you don't produce joint mortgage document they will deny your application .Does anyone have experience with that kind of situation or should i just have her added now .If this is something which they think is must have then i can contact my mortgage and have her added ,if not then for reasons mention above ,I am thinking to keep as it is so we can buy another home on her name in future.

 

Thanks

It is not necessary and it is very common 

Adding her to the deed is easier and more straightforward 

Edited March 14, 2021 by Nitas_man

[LBeachey 45]

We went through the ROC process in 2013 but my wife was not on the mortgage on the house we bought after we were married.  She was on the deed.

 

What I have found was when you have a new(er) SSN, it complicates most financing for homes, cars, etc.  No car loan we have taken out in the last 10 years has she been on the note even though her income is now a significant part of our family income.

 

Just refinanced last year and she is now officially on the mortgage after 10 years of marriage.

[RobertHopkins 0]

On 3/14/2021 at 5:38 AM, Sukie said:

Not required.  I owned my house before we married, so my spouse is not on the deed, and we have no mortgage.  We sent copies of both of our driver's licenses showing we live at the same address.

 

Best of luck.

 

Sukie in NY

I am in the same situation as my spouse is not on the deed or mortgage as I bought the house before she came to the US. Ever since she started working in the US, we have been paying for the mortgage together from our joint bank account. There is a monthly payment that goes out from our joint account in which we both contribute. Is that okay? I was looking into doing quit claim deed but not sure if that’s necessary. We are filing in two months.

[milimelo 4,487]

13 minutes ago, RobertHopkins said:

I am in the same situation as my spouse is not on the deed or mortgage as I bought the house before she came to the US. Ever since she started working in the US, we have been paying for the mortgage together from our joint bank account. There is a monthly payment that goes out from our joint account in which we both contribute. Is that okay? I was looking into doing quit claim deed but not sure if that’s necessary. We are filing in two months.

Not needed. 

 

We were in the same situation - husband bought a house and got the mortgage before I arrived and we had no issues with my ROC. We just highlighted mortgage payment from the joint account - no issues at all. 

[OldUser 6,768]

1 hour ago, RobertHopkins said:

Ever since she started working in the US, we have been paying for the mortgage together from our joint bank account. There is a monthly payment that goes out from our joint account in which we both contribute. Is that okay?

This is OK, you shouldn't have any issues. Is your spouse listed in your will? How easy would it be for spouse to claim ownership of house if you suddenly die? That's the only concern and it's outside of immigration scope.

Edited Monday at 05:43 PM by OldUser

[Ontarkie 14,237]

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