This Quitclaim Deed by Two Individuals to Husband and Wife form is a Quitclaim Deed where the Grantors are Two Individuals and the Grantees are Husband and Wife. Grantors convey and quitclaim the described property to Grantees less and except all oil, gas and minerals, on and under the property owned by Grantors, if any, which are reserved by Grantors. This form complies with all state statutory laws.
Quitclaim Deed To Add Spouse To Title For Home
Category:
State:
Oregon
Control #:
OR-03-77
Format:
Word;
Rich Text
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How to fill out Oregon Quitclaim Deed By Two Individuals To Husband And Wife?
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FAQ
Can a Husband Take a Home Loan on a Wife's Property? A husband can take a home loan on his wife's property only if he is a co-owner of that property. Then, he can be the sole borrower or a co-borrower of that home loan.
Your mortgage loan will most likely need to be fully refinanced. Adding a new person to your mortgage loan changes the loan's terms. You won't be able to change these terms unless a lender creates a new loan for you through a mortgage refinance.
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.
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.