How to Change Name on House Title after Marriage?

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“How to change name on house title after marriage? One of the most important logistical changes associated with getting married is changing your name on important legal documents. The house title needs to be updated if you are among those who change their name after a post-nuptial and you own property.”

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How to Change Name on House Title after Marriage?

This guide (how to change name on house title after marriage) aims to help you change your name seamlessly on your house title after marriage.

 

Can You Change The Title Of Your Home?

A title change is possible on your home’s deed, but it’s different from changing your mortgage name. The deed is your legal ownership paper, filed with the government, while a mortgage is a loan through your lender.

As soon as you pay off your mortgage, your county government releases the deed to you as the sole owner of the house. A mortgage gives your lender ownership of your property, and your lender can foreclose if you don’t repay your loan.

If you wish to change the name of your home, the process varies by circumstance and state. Some states may require you to have a new deed prepared by a title company or an attorney.

 

What’s The Best Time To Change The Title Of Your Home’s Deed?

How to change name on house title after marriage? You may need to change the title of your home in the following situations:

 

You get married.

When you get married and change your name, it’s also a good idea to change the title of your home. You can do this with a quitclaim deed if you want to include your new spouse in the property deed. You may create the deed in some areas, but in others, you may need an attorney or a notary, and you may need to register with your county clerk.

 

Get divorced.

You may need to change the name or remove one partner from the title of your house after divorce, even if you do not intend to sell. This can happen through a quitclaim, depending on your state. Alternatively, you can go through this process with your lender if you have a joint mortgage.

 

Your spouse dies.

While you may have to pay some of your spouse’s debts when they die, you may not have to take action on your home title. In the case of joint tenants with the right of survivorship, you won’t have to update the title or deed: The property automatically transfers to the surviving spouse.

As your spouse’s name will appear on the deed, you may be required to provide the death certificate if you decide to sell the home. Credit reports are another thing you won’t have to worry about during this difficult time.

 

You inherit a home.

You must update the title if you inherit a home after a loved one dies. In most cases, if the homeowner had a transfer-on-death beneficiary deed, the family could take possession of the home without going through probate.

 

A Step-By-Step Guide: How to Change Name on House Title after Marriage.

 

Select a new legal name.

If you change your name after marriage, decide which option is best for you. Some people opt for hyphenated names, while others choose a new name altogether. Before starting the process, ensure that all documents accurately reflect everything.

 

Keep your Social Security card up-to-date.

Changing your name with the Social Security Administration is essential before changing your house title.

The steps are as follows:

  • You can fill out the Social Security Administration’s SS-5 form online.
  • Gather proof of identity. This includes a birth certificate, marriage certificate, and current Social Security card.
  • You can apply in person or by mail at a local Social Security office. There is no fee to apply.

 

Obtain a new driver’s license.

The DMV will require you to have the following items with your updated Social Security card:

  • Currently valid driver’s license.
  • Certificate of marriage.
  • Upon moving, you must provide proof of residency.

Upon receiving your new driver’s license with your updated name, you can move on to updating the title of your house.

 

Check the title of your house.

Make sure you understand the specifics of your current house title. Are you the sole owner, or are you jointly owned? This information is essential since it will affect how a name change goes.

 

Make an appointment with the county recorder.

You may have to follow the following steps to change your name on your house title:

  • Drafting a new deed. There is a simple process when transferring ownership from one name to another. The process is a ‘quitclaim deed.’ But, it does not mean you are giving up your property rights.
  • A real estate lawyer or title company should confirm that the deed is drafted correctly. It is important to remember that even minor discrepancies can result in legal complications.
  • Your updated driver’s license and marriage certificate are acceptable forms of identification.
  • In the county of the property, submit the deed to the county recorder’s office. There may be a fee for the recording.

 

Notify your mortgage lender.

You should inform your lender if you have a mortgage on the property to prevent misunderstandings or issues. Even though the name on the mortgage note will remain the same until the loan refinances. It is important to inform the lender about any name change.

 

Keep records of homeowner’s insurance and taxes.

If the property’s name changes, inform your homeowner’s insurance provider. You should also notify the county tax assessor’s office so that property tax records will include the new name.

 

Take into account other property documents.

You should also review your will, trust, and power of attorney documents to avoid future complications if your name changes. The title of your home is the primary document, but you should also review other legal documents.

 

Keep future transactions in mind.

If you change your name after getting married, you should conduct any future dealings or transactions with the property under your new name. This includes selling, leasing, or refinancing. Doing this will avoid legal complications and problems.

 

Protect your documents by storing them safely.

Once you have successfully altered the name on your house title, you must store all associated documents securely. The importance of these documents makes it important to have both digital and physical backups. If you own a bank, consider investing in a fireproof safe.

 

The Secret to Seamless Processes

 

Get professional help when needed.

Even though most steps are manageable by you, hiring professionals like real estate lawyers is sometimes worthwhile to ensure all details go smoothly and correctly.

 

Organize yourself

A checklist and dedicated folder for all paperwork and correspondence can prove extremely helpful if any future disputes or questions arise.

 

Keep in touch with your partner.

Any changes, even about one person, can affect both parties if you jointly purchase a property.

 

Considerations for Changing the Title Name

 

Considerations for Changing the Title Name

 

In cases of couples

If just one person changes their name, the process is fairly straightforward. It can only get complicated when someone gets married and decides whether or not to include their partner in ownership.

The agreement between the married couple on how to take title depends on the couple’s wishes.

People sometimes protect their separate interests. One example is a person who purchased a house without a spouse and then decided to include their spouse as a co-owner.

It would be possible to distinguish how much interest is due to each party. For example, if you get married late in life, you might only be transferring half. If you took title as a joint tenant and died before the other person, they would receive the entire amount.

In the event of a second marriage, you may take your title as a tenant in common. This means that if you pass away, your interest does not automatically pass to the other person; instead, it goes to any trust you may have created. Therefore, like a blended family, you should consider how you will hold the title.

 

Some Additional Tips on Changing Your Name

The process of changing your name following marriage requires more than just your home name and IDs.

 

Take a look at other legal documents:

You should also update your name on other important legal documents, such as your will, trust, and power of attorney.

 

Keep your lenders informed:

Remember to change the names if you have other financial accounts, including credit cards, auto loans, and other loans.

 

Secure document storage:

Make sure that your new deed, Social Security card, and other important documents remain in a fireproof and secure location.

 

In the event of a divorce:

If you retain possession of any jointly owned property after a divorce, you may be able to revert to your maiden name or choose another. So, you must update your name on all legal and personal documents.

 

A joint tenant or spouse who dies:

It may not be necessary to update the title or deed of your property when you own it with your spouse or another individual with survivorship rights. However, you should consult a legal professional to ensure all legal steps are taken.

 

Are you inheriting a home? Seek legal advice.

This will help you navigate the process well. Depending on local laws, you may need to update the title and other records.

 

Is It Expensive To Change The Name On A House Deed?

You may have to pay some costs to change your name on your home deed. These expenses will depend on your location and the complexity of the change.

For example, when you submit a grant deed or quitclaim deed to the county recorder’s office, you may have to pay a filing fee. A legal professional’s services also incur a fee if you decide to consult with them to ensure the process goes smoothly and correctly.

Planning for the costs of filing a deed change on your home title is important. Although they are generally not exorbitant, they are usually between $50 and $200. Contact your local county recorder’s office for information on the specific fees associated with deed changes in your area.

 

Here Are Some Common Questions And Answers: How To Change Name On House Title After Marriage?

 

Is it necessary to change my name on the house title after I get married?

Changing your name on the title of your house is advisable if you wish to appear on all legal documents about your property ownership.

 

What documents am I required to submit?

Documents you need to change your name on the house title can vary according to your jurisdiction. Still, you will typically need your marriage certificate, proof of identification, and any forms your local land registry might require.

 

What if my spouse is the sole owner of the house? Can I change my name on the title?

You may have the option of adding your name to the title as a spouse or changing the name on the title through a quitclaim deed.

 

Can I change the name on my home title without affecting my mortgage?

There should be no effect on your mortgage if your name changes on the title of your home. However, you must notify your mortgage lender about the name change to update their records.

 

What is the process for changing a name?

Depending on the workload of the local land registry office, the duration of the name change process may vary. Please get in touch with your local office for an estimate.

 

Can I change my name on the house title even if I do not have a spouse and do not live together?

Suppose you would like to change your name on the house title. In that case, you must consult a lawyer to determine what options are available according to your jurisdiction’s laws and if domestic partnerships are legally recognized.

 

How can we change the name back after a divorce?

If you are divorced, you may need to change your name on your home’s title, and the process may vary. It is important to speak to a lawyer who can guide you through your options and explain the legal implications of your choices.

 

Final Thoughts

You must ensure that your house deed shows any title changes after marriage. This will protect your property rights and simplify future transactions like selling your home. You must consider your property’s legal description and address. They are crucial details when recording your deed in this transition.

For added protection, always consider investing in title insurance after conducting a comprehensive title search. With a mortgage company, it’s equally important to keep them informed as changes happen. This ensures a good relationship as you repay your loan.

Also, they should understand the differences between community property and joint tenants. They should educate themselves on holding titles.

Additionally, it is important to remember that recording fees can vary from jurisdiction to jurisdiction when making title changes. By updating your house deed thoroughly and proactively, you are not only protecting your rights, but you will also be able to make future financial transactions easier.

Hedy Ghavidel

HEDY GHAVIDEL Managing Partner  Roseville Office  1-866-471-6981  info@attorneysre.com Bio...

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