N**********6
发帖数: 1 | 1 最近想搞refinance。但是两年前买房子时只用了我的名字在title和贷款上。现在得用
老婆名字做refinance。agent和我说得把我老婆名字加到deed上面。我现在正在搞这个
事情。但是有些问题想请教一下。
1，把我老婆名字加上deed后，是可以马上去用她的名字做refinance吗？还是得等她的
名字在deed上面六个月才能做？
2，她的名字加上deed后，我是不是也得和房屋保险公司说一下加上她的名字？毕竟新
的mortgage需要保险证明时得有她的名字对吧。
3，如果顺利做了refinance后想卖房子，是不是也得等六个月后才能卖？ |
p********m
发帖数: 217 | 2 This is not refi.
Ownership change.
Same as sale; may subject to transfer tax. |
N**********6
发帖数: 1 | 3 Before is my name. After is my name and my wife’s name. There should has a
husband and wife exemption on tax, right?
The agent also told us that we can do refinance and add name on deed
together to save a little bit money.
【在 p********m 的大作中提到】
: This is not refi.
: Ownership change.
: Same as sale; may subject to transfer tax.
|
r****b
发帖数: 1087 | 4 So this is a gift, not a sale.
In CA, it is exempt from transfer tax nor re-assessment.
But it may subject to gift tax if your wife is not a US citizen.
a
【在 N**********6 的大作中提到】
: Before is my name. After is my name and my wife’s name. There should has a
: husband and wife exemption on tax, right?
: The agent also told us that we can do refinance and add name on deed
: together to save a little bit money.
|
f********l
发帖数: 1473 | 5 Go to the county registration office.
No tax no fees, Just pay document fees which are nothing: I just checked for
you, here, County record fee $38, Notarization fee $15.
New deed will be mailed to you.
【在 r****b 的大作中提到】
: So this is a gift, not a sale.
: In CA, it is exempt from transfer tax nor re-assessment.
: But it may subject to gift tax if your wife is not a US citizen.
:
: a
|
f********l
发帖数: 1473 | 6 Then you can do re-fi immediately. |
r********r
发帖数: 735 | 7 我记得有个capital gains 和相应的联邦税的问题。具体最好问律师。
a
【在 r****b 的大作中提到】
: So this is a gift, not a sale.
: In CA, it is exempt from transfer tax nor re-assessment.
: But it may subject to gift tax if your wife is not a US citizen.
:
: a
|
f********l
发帖数: 1473 | 8 He said he only needs to add his wife name on the deed.
has
【在 r********r 的大作中提到】
: 我记得有个capital gains 和相应的联邦税的问题。具体最好问律师。
:
: a
|
r********r
发帖数: 735 | 9 这样他老婆就立即50%房产的capital gains，这个从联邦角度讲就这么回事。所以这个
要问律师。
【在 f********l 的大作中提到】
: He said he only needs to add his wife name on the deed.
:
: has
|
