How to change your name on a mortgage deed

how to change your name on a mortgage deed

Name Changes and the Real Estate Deed

Jan 10,  · If you are the sole owner of the property and want to change your name on the deed, in some states you file a quitclaim deed to your new name using the formerly known as (FKA) with your prior name. This deed is then filed, and a new deed is then filed back to you using just your current name. Fill out the first deed by signing your name as Jane Jones, FKA Jane Smith. Your title . Jan 15,  · How to Change Names on a Mortgage First Thing's First. Whether you've gotten divorced and are changing your name back to its original name listed on your Adding or Subtracting a Borrower. You typically must refinance your loan if you have a change of names on the mortgage. Changing Names Through.

Create an Account - Increase your productivity, customize your experience, and engage in information you care about. To change, add or remove a name on your deed a new deed needs to be recorded reflecting the change. Many people think they can come into the office nwme change the present recorded deed with a form, but that is not the case. Once a deed is recorded it morygage be changed. We recommend you consult a real estate attorney or title company to prepare a new deed.

A special instance what does the idiom a penny for your thoughts mean to a particular legal situation could occur where the name should be deleted, therefore, we recommend consulting an attorney or title company for specific advice. If someone marries, it is not required to change the name on the deed to the married name, but because of a particular legal situation it may be desirable, therefore we again recommend consulting an attorney or title company for specific advice.

Our office cannot recommend a real estate attorney or title company. The following organizations may be able to provide recommendations:. Pennsylvania Land Title Association. Legal Aid of Southeastern Pennsylvania. Skip to Main Content. Sign In. Arrow Left Arrow Right.

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Steps to Changing the Name on Your Home Deeds Give everyone a heads-up on your name change. If you are buying a home, you’ll need to let lenders, attorneys, the title Be prepared to show alternate forms of identification. You may be asked to show your passport or driver’s license to To file a. Contact Your Mortgage Lender. Contact your mortgage lender's customer service line and inquire about what you need to do to change the name on the mortgage. Most likely the lender will send you -- or direct you to -- a form on which you can submit your new name information. To change, add or remove a name on your deed a new deed needs to be recorded reflecting the change. Many people think they can come into the office and change the present recorded deed with a form, but that is not the case. Once a deed is recorded it cannot be changed. We recommend you consult a real estate attorney or title company to prepare a new deed.

When assuming a married name, certified copies of your marriage license are your ticket to officially changing your name on official documents, including the title to your home. Although California is a community property state, you'll want to add your spouse if you care to share equity.

Fortunately, filing a grant deed with your county lets you do both at the same time. After a name change, use a grant deed to change your name on the deed of your home in California.

You can also add your spouse with the same instrument, or use an interspousal deed. You may need to change your name on your property deed if you plan to sell the house or refinance it. But then again, you may not.

As you are signing the legal documents to accomplish either of these, one of the entities you will be dealing with is the title company. It's their job to verify you are the owner of the property before a lender gives you new financing or you transfer title to a buyer. If you are not the legal owner, the title company will be left holding the bag.

When the title company reviews your identification documents, like your driver's license, it will note the difference in names. The title company may require that you change your name on the deed to your married name.

Sometimes the marriage certificate is sufficient to explain the difference in names, without making a change to the deed. Title companies know how to determine whether you are the same person with a married name, and many of them will not require a deed change. If you are changing the deed to suit your title company, take your cue from them.

The title agent you are working with will likely tell you what to do and may prepare the legal papers necessary. If not, you need to prepare a grant deed transferring the property from you, with your old name, to you, with your new name. If you live in San Francisco, look for the form on the website of any California county law library. A recorded title deed tells the public that you are the owner of an interest in real estate. As you go about your ordinary life, nobody, including the mortgage lender, is going to care very much about whether you've updated your property deed to reflect your new married family name — until you want to sell the property.

If you married, divorced, then remarried, for example, you will have to prove each name change through official certificates. You will also have to sign a signature affidavit and "AKA" statement for all names you've held. She earned a BA from U. Santa Cruz, a law degree from U. She currently divides her life between San Francisco and southwestern France. By Teo Spengler Updated November 28, Related Articles. Whose Name Should Be on the Deed? Tip After a name change, use a grant deed to change your name on the deed of your home in California.

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