Can one Spouse be on the Mortgage and both be on Title?

The simple answer is yes..

There are a few ways to do it and the best depends on which is easier for you.

The simplest way is to have both spouses on the contract and just one on the loan. The spouse that isn’t on the loan will need to go to the title company or have a notary come to them to sign some documents. Typically this is done at the same time the borrowing spouse is signing loan documents, which is toward the end of the escrow process.

You can also add a spouse to the title after the loan closes. This isn’t idea in community property states because they would have to sign a quitclaim to start with and then go back to the title co to be added on.


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