(Closed) home title

posted 7 years ago in Home
Post # 3
Member
7431 posts
Busy Beekeeper
  • Wedding: October 2009

NO, you don’t have to change your name on the title. The records are backed up by your social, so there is a link between your maiden and married. And, if you change later, you have to pay for it. We were going to buy a house before we got married, but it worked out that we didn’t find something until after we got married.

Post # 5
Member
191 posts
Blushing bee
  • Wedding: August 2011

Agree!  My husband and I bought a house together a year before getting married.  My name only is on the mortgage because at the time my husband had just finished school and was not working yet.  But his name is on the title and the note.  Now we are married I have let my mortgage company know of my name change but there is no need to change it on the title.  I was told when we sell the house I will just have to sign with both of my maiden and married names on the paperwork.

Post # 6
Hostess
18643 posts
Honey Beekeeper
  • Wedding: June 2009

I didn’t change my name on our rental house since getting married 2 years ago.  I think the only time you may have a problem is when you try and sell later.  I haven’t had to do that yet so we will see.

Post # 7
Member
197 posts
Blushing bee
  • Wedding: September 2011

I was told by our title company that you will just have to sign an extra document stating you are the same person when you sell, there is no need to do any changes until then.

Post # 8
Member
739 posts
Busy bee
  • Wedding: August 2009

We just sold our house last week so we could buy a new one so I actually know the answer to this question! Smile  For the house we sold: I was single at the time that I bought it and, of course, purchased it in my maiden name.  We got married two years ago and I took on his last name but never bothered to change it on the title.  It wasn’t a problem at all for selling it.  However, I did inform my realtor of the name difference.  Once we had an offer and were moving towards settlement, she simply asked me for a copy of our marriage certificate to provide the title company to explain the name change.  At settlement, I had to sign an affidavit stating what my previous name was and what my current name is.  All in all it was super easy and not a problem!

Post # 9
Member
739 posts
Busy bee
  • Wedding: August 2009

We just sold our house last week so we could buy a new one so I actually know the answer to this question! Smile  For the house we sold: I was single at the time that I bought it and, of course, purchased it in my maiden name.  We got married two years ago and I took on his last name but never bothered to change it on the title.  It wasn’t a problem at all for selling it.  However, I did inform my realtor of the name difference.  Once we had an offer and were moving towards settlement, she simply asked me for a copy of our marriage certificate to provide the title company to explain the name change.  At settlement, I had to sign an affidavit stating what my previous name was and what my current name is.  All in all it was super easy and not a problem!

Post # 10
Member
3375 posts
Sugar bee
  • Wedding: October 2011

I don’t believe you can be on the title without being on the mortgage.You should definitely be on the mortgage if you’re helping to make payments!

I heard that my state makes me do a “change of title” when I get married. At least that’s what the title company told me. They said that it’s mandatory in some states. I can’t find much about it online.

Post # 11
Member
2233 posts
Buzzing bee
  • Wedding: September 2012

PinkMagnolia is right, you can’t be on title without being on the mortgage. However, you do own the home without your name actually being on the deed if this is a matrimonial home (which it is, but I would double check the laws in your state). What that means is that any property that you and your spouse live in together is owned jointly, you are the rightful owner wihtout being on the deed. What your name is before or after does not and should not matter.

Again, I would double check the law in your state regarding a matrimonial home!

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