Post # 1
I saw a similar post about names and diplomas/certificates and was wondering the same for mortgages. My SO & I are throwing around the idea of buying a house this summer but I at least want to wait until we’re engaged.
My question is, what happens if we do buy a house when we’re engaged and then I change my name when we’re married? I really want to have my new name on the mortgage and absolutely hate hate hate my current last name. Is there a way to change the mortgage to have my new name after the wedding and get rid of any traces of my maiden name?
Post # 3
Yes, you just have to change the name on your deed. Usually it will involve a lawyer and my lawyer quoted me roughly $300 to make that happen.
I’ve already spent close to a grand to go through a legal name change (not the typical way) so I’m just going to leave my maiden name on the deed. My lawyer said it won’t be an issue when we got to sell as long as I have documentation proving the name change. And if it’s an issue we can always do it then.
Post # 4
I have not changed the deed on our house. Maybe there will be a problem when we sell later but I don’t want to pay $300 to change it when I have a marriage license saying my old name. We cannot change the name on the mortgage unless the deed is changed so that is in my maiden name too.
Post # 5
As far as the mortgage processor (the bank you pay your check to every month), you will just have to call them and probably fax a marriage certificate to change your name on the mortgage.
To change your name on the deed, I went to my county to do it and they said it’s not necessary. You may need to bring a copy of your marriage license to closing when you sell the house, but at least in my county, I didn’t have to change my name on the deed. I would call your county offices to double check.
Post # 6
@CanAmBride: Thanks, but it’s not about not needing to, it’s about I want my godforsaken original name gone! Haha.
@everyone: I am willing to pay $300 to get rid of my original name on a deed, that should let you all know how much I don’t like my current name, lol. This is such good news!