If when we bought our house it was cheaper to get the loan in just my wife’s name, can I add my name to the house without re-mortgaging it?

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If when we bought our house it was cheaper to get the loan in just my wife’s name, can I add my name to the house without re-mortgaging it?

My wife is terminal with cancer.

Asked on February 17, 2015 under Estate Planning, Pennsylvania

Answers:

Christine Socrates / Christine Sabio Socrates, Atty at Law

Answered 6 years ago | Contributor

I am sorry about your wife's illness.  You would want to add your name to the deed of the house as a joint owner with rights of survivorship without being added to the mortgage.  You can also file a transfer on death affidavit which is also a recorded instrument.  Upon your wife's death, the house would tranfer to you automatically outside of probate. Please let me know if you would like assistance with this, I would be happy to help.  


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