Changing Name and House Hunting?

posted 3 years ago in Home
  • poll: When should I change my name?
    Before the house hunt/mortgage process : (31 votes)
    94 %
    Wait until after the dust settles : (2 votes)
    6 %
  • Post # 3
    Member
    1973 posts
    Buzzing bee
    • Wedding: January 2013

    I say before. Your bank should be able to link it the names together, as should any credit cards etc, and it will just be one more thing you have to change your name on after. I have changed my name everywhere else except for getting a new passport and I haven’t done our land title yet because the office is annoyingly out of my way.

    Post # 4
    Member
    1104 posts
    Bumble bee
    • Wedding: June 2011

    They use your social security number to check your information not your name. So as long as you change your name on your social security card you shouldn’t have any sort of problem. I’d go ahead and do it now so you don’t have to worry about changing it after you get a mortgage, title, deed all that stuff. Plus that’s 3 months away, you have plenty of time to get it all taken care of. 

    Post # 5
    Member
    9412 posts
    Buzzing Beekeeper

    @irishphoenix:  It’s really not a big deal to change it and would have no impact on mortgage applications.

    Post # 6
    Member
    811 posts
    Busy bee
    • Wedding: March 2013

    I agree with PP…I got married in March and changed my name in May…right in the middle of house buying.  No big deal, you just send them copies of your new documents and they pull credit in both your names.  Easy! 

    Post # 7
    Member
    1774 posts
    Buzzing bee
    • Wedding: April 2013

    I was in the same situation and decided to go ahead and change my social security card. Now I’m slowly changing everything else.

     

    Post # 8
    Member
    206 posts
    Helper bee
    • Wedding: May 2013

    I got married one month ago today, and im the process of changing my name and buying a house. We are in the process of getting pre-approved and we haven’t run into any problems yet, but I will report back if I do. I think changing your name before you start will be beneficial, as it will take a while to get everything switched over.

    Post # 9
    Member
    13168 posts
    Honey Beekeeper
    • Wedding: July 2010

    I would go ahead and change it.  Everything is linked to your social security number anyways, not your name.  And your SS# isn’t changing so there shouldn’t be any issues.

    Post # 10
    Member
    3156 posts
    Sugar bee
    • Wedding: June 2012

    The name change thing wasn’t as big of a pain as I expected.  I just had to take my marriage license to the Social Security offices and then the DMV.  Those are the only legal changes you need to make.  You may want to do the bank first, too.  Everything else (doctors, credit cards, etc) you can do as you go.

    Post # 11
    Member
    673 posts
    Busy bee
    • Wedding: February 2013

    @irishphoenix:  My bank told me to wait until after we close to make it easier. There is always one thing or anothe that pops up that you forget to change your name on. Now I have been married four months (still haven’t closed on the dang house yet!) and as time has gone by changing my name seems more and more daunting and I have considered just leaving it. But then I decide I would rather have the new name and shed my old identity (I do not get along with my family so I am more than happy to no longer have that tie to them). Still, everything for the past 32 years has been with my old name… I guess I have mixed feelings somewhat 🙁

     

    Post # 12
    Member
    416 posts
    Helper bee
    • Wedding: April 2011

    I agree about changing it now.  We were actually entering the closing process before the wedding, then signed the paperwork two weeks after the wedding – I didn’t even have my new license yet!.  But I wanted to have my married name on the mortgage.  Either way, just let the bank know you’re in the process of changing it, you’ll still have the same social security number which is how they do credit checks.  Shouldn’t be too difficult.

    Post # 13
    Member
    6279 posts
    Bee Keeper
    • Wedding: October 2013

    change your name before.  one less paperwork to change after.

     

    Post # 14
    Member
    5295 posts
    Bee Keeper
    • Wedding: April 2013

    @irishphoenix:  I just got married 2 months ago and we are closing on a home in two weeks. I haven’t changed my name yet because where I live you have to wait up to 3 months to get the marriage license in order to change your name. I’m just buying the home in my maiden name until I get the marriage license and start the name changing process. If I didnt have to wait so long ot change I would have done it before I got the house to save all the extra paperwork but I really dont have a choice as we wanted the house ASAP. I’m 31 so I also have TONS of stuff I have to change my name on!! Ughh!! I’m not looking forward ot the pricess as all!!

    Post # 15
    Member
    1539 posts
    Bumble bee
    • Wedding: June 2012

    @irishphoenix:  I changed my name right in the middle of the process, and it wasn’t a big deal. I just had to sign paperwork with the correct name bc some forms had one and some had another.

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