Quitclaim Deed To Add Spouse To Title Without Permission
Description
How to fill out Oregon Quitclaim Deed By Two Individuals To Husband And Wife?
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FAQ
By adding another person to a deed, you are essentially gifting them a portion of the property's value, which may trigger the gift tax. Gift tax is a federal levy on transfers of money or property to another person while getting nothing, or less than full value, in return.
The only way to change the names listed on a mortgage is to refinance in the new borrowers' names. If you divorce, for example, you'll need to meet the qualifications to refinance the house in your name alone. If you want to add someone to your mortgage, you'll both need to jointly qualify to refinance the mortgage.
Yes, you can put your spouse on the title without putting them on the mortgage. This would mean that they share ownership of the home but aren't legally responsible for making mortgage payments.
Due to this, quitclaim deeds typically are not used in situations where the property involved has an outstanding mortgage. After all, it would be difficult for many grantors to pay off a mortgage without proceeds from the sale of the property.
A quit claim deed in a divorce or legal separation gives one party the sole ownership of the property. This allows that party to sell or mortgage the property without the approval or consent of the other party.