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I just went through the same thing, although my husband is not on the loan. I was told by my lender that if the person is not on the loan, they cannot be on the deed. Granted, I live in PA, so I am interested also in what others have to say. Good luck - we hope to retire in SC!
Understand completely - I wanted my husband to feel like the house was also his by putting him on the deed. Each lender or state may have different rules, so you may be be ok.
@Indycoltsfan wrote:I just went through the same thing, although my husband is not on the loan. I was told by my lender that if the person is not on the loan, they cannot be on the deed. Granted, I live in PA, so I am interested also in what others have to say. Good luck - we hope to retire in SC!
I live in PA and my wife is not on the mortgage, we had no issues getting her name on the deed.
My advice do whatever needs to be done to get the home you want and in with the best financial situation...don't let pride get in the way. If you contribute to the cost of operating and maintaining a home its as much yours as it is anyone's
After you close all you need to do is Quitclaim deed from the fiance to you both. At least in Texas it works that way. I cosigned for my niece and was on all the papers. When she went to refi, I just QC'd off. Also I was an escrow officer in Nevada and I saw it that way all the time as well.
Take the offer of your b/f being on the mortgage and both of you on the deed. I have no idea why a lender would limit the deed to just the borrower. I see it routinely where one party is on the mortgage and two parties are on the deed. Talk with a lawyer or the title company to make sure the title work is right. For example, you might want to have the deed read: x and y as joint tenants with right of survivorship. Or, if married, as "tenancy by the entirety".
http://legal-dictionary.thefreedictionary.com/Tenancy+by+the+Entirety