Posted on: 04th Aug, 2011 01:36 pm
My fiance and I just purchased our first home. From moment one, when we signed the residential purchase agreement putting our official offer on the house, we were BOTH listed and required to sign, initial, etc. on EVERY document, as "buyer", or "co-buyer", involved in the process of buying the home with our real-estate agent/company--when we reached the financing pre-approval part, we opted to (on the advice and reassurance of our mortgage lady) submit only my fiance's financials on the applications, since his credit guaranteed us the best rates...
I asked and asked again--"Will this have any effect on both of us being listed as "owners" of the home on the final paperwork(deed)??? Over and over I was promised that it would not.
Come the day of signing, we sat down, ready to get hand cramps from signing so many things (as we were warned by our agent, light-heartedly)--and I sat there twiddling my thumbs, while only he had to sign the papers. At the time I assumed it was because, the paperwork signed at the title company was all Mortgage comapny/funding related based on all their explanations.
(Exhale..).....Cut to a month later when I pulled up our recorded Deed with our Parish Clerk--and he, alone, is listed as the owner of the home.
I've been advised by an attorney that this was a mistake on the part of either our mortgage lady who prepared the docs for the 3rd party Title-Company who drew them up, or fault of the Title company alone.
In this specific circumstance, what do we need to do to have the deed CORRECTED--not ammended or donated or any other half-a#$ version of being a REAL CO-OWNER of the property, which I AM.?????
I asked and asked again--"Will this have any effect on both of us being listed as "owners" of the home on the final paperwork(deed)??? Over and over I was promised that it would not.
Come the day of signing, we sat down, ready to get hand cramps from signing so many things (as we were warned by our agent, light-heartedly)--and I sat there twiddling my thumbs, while only he had to sign the papers. At the time I assumed it was because, the paperwork signed at the title company was all Mortgage comapny/funding related based on all their explanations.
(Exhale..).....Cut to a month later when I pulled up our recorded Deed with our Parish Clerk--and he, alone, is listed as the owner of the home.
I've been advised by an attorney that this was a mistake on the part of either our mortgage lady who prepared the docs for the 3rd party Title-Company who drew them up, or fault of the Title company alone.
In this specific circumstance, what do we need to do to have the deed CORRECTED--not ammended or donated or any other half-a#$ version of being a REAL CO-OWNER of the property, which I AM.?????
Just go to a local title or escrow office and have them prepare a quitclaim deed, with your husband with you, and have the deed prepared and recorded. Should have been caught at the closing table, but that is ok, you can be added, with your spouses consent.