j****n
发帖数: 3465 | 1 现在的title上是两个人的名字，想改成一个人，应该怎么操作？ |
s****d
发帖数: 98 | 2 1. Fill out a Quit Claim Deed form:
http://www.sbcounty.gov/ACR/pdf/vitals/Quitclaim_Deed.pdf
2. Sign and notarized (公证）it.
3. Take it to San Diego County Recorder office and pay a small recording fee:
http://arcc.co.san-diego.ca.us/faq.aspx#Locations
done! |
d******t
发帖数: 1242 | 3 If the person you want to remove from title is on the loan, you might want
to check with the lender first. Removing one name from the loan might
trigger the loan being called.
So if this is the ase, you might be able to refi into one person's name,
then remove the person from title that way.
Just a thought. |
j****n
发帖数: 3465 | 4 thank you very much!
fee:
【在 s****d 的大作中提到】
: 1. Fill out a Quit Claim Deed form:
: http://www.sbcounty.gov/ACR/pdf/vitals/Quitclaim_Deed.pdf
: 2. Sign and notarized (公证）it.
: 3. Take it to San Diego County Recorder office and pay a small recording fee:
: http://arcc.co.san-diego.ca.us/faq.aspx#Locations
: done!
|
e*********u
发帖数: 3591 | 5 果然专业
【在 d******t 的大作中提到】
: If the person you want to remove from title is on the loan, you might want
: to check with the lender first. Removing one name from the loan might
: trigger the loan being called.
: So if this is the ase, you might be able to refi into one person's name,
: then remove the person from title that way.
: Just a thought.
|
s****d
发帖数: 98 | 6 Title change and Loan mod are separate issues.
You can quit-claim your interest in the property to anyone, but that does
not change your obligation as a co-borrower on the loan. If you want to be
removed as a co-borrower on the loan, you will have to contact the lender.
The other option, if possible, would be to ask your co-borrower to refinance
and "buy you out". That would pay off the original note that you are a co-
borrower on. In most of the divorce cases for example, this is the best
route.
【在 e*********u 的大作中提到】
: 果然专业
|
y****i
发帖数: 17878 | 7 you're right
quit-claim deed transfers only the ownership, but not the loan
responsibility. you're still liable for the mortgage debt.
refinance
【在 s****d 的大作中提到】
: Title change and Loan mod are separate issues.
: You can quit-claim your interest in the property to anyone, but that does
: not change your obligation as a co-borrower on the loan. If you want to be
: removed as a co-borrower on the loan, you will have to contact the lender.
: The other option, if possible, would be to ask your co-borrower to refinance
: and "buy you out". That would pay off the original note that you are a co-
: borrower on. In most of the divorce cases for example, this is the best
: route.
|
d******t
发帖数: 1242 | 8 Thank you for sharing. Then I am curious to know if the house's ownership
belongs to A, and the mortgage debt belongs to B, if B dies, what happens to
the house?
【在 y****i 的大作中提到】
: you're right
: quit-claim deed transfers only the ownership, but not the loan
: responsibility. you're still liable for the mortgage debt.
:
: refinance
|
y****i
发帖数: 17878 | 9 the house belongs to the bank unless you pay off the loan
you "rent" the house from the bank
to
【在 d******t 的大作中提到】
: Thank you for sharing. Then I am curious to know if the house's ownership
: belongs to A, and the mortgage debt belongs to B, if B dies, what happens to
: the house?
|
s**********o
发帖数: 14359 | 10 不会有人傻到只交钱不拿名的吧
to
【在 d******t 的大作中提到】
: Thank you for sharing. Then I am curious to know if the house's ownership
: belongs to A, and the mortgage debt belongs to B, if B dies, what happens to
: the house?
|
|
|
O***n
发帖数: 13127 | 11 irvine 给二奶团买得都应该是这样得吧
【在 s**********o 的大作中提到】
: 不会有人傻到只交钱不拿名的吧
:
: to
|
s**********o
发帖数: 14359 | 12 不过交钱的死了，没人付账的，银行一样收走，
银行是不是可以赖帐，说二奶从来没交过钱轰出去？
【在 O***n 的大作中提到】
: irvine 给二奶团买得都应该是这样得吧
|
y****i
发帖数: 17878 | 13 equity of the house, if there is any, still goes to the owner
【在 s**********o 的大作中提到】
: 不过交钱的死了，没人付账的，银行一样收走，
: 银行是不是可以赖帐，说二奶从来没交过钱轰出去？
|
O***n
发帖数: 13127 | 14 二奶们不care。 找个下家就是了。
今朝有酒今朝醉，想那么远干嘛
长得美就是本钱。
也不用象你那样后天去弥补，练啊练得
【在 s**********o 的大作中提到】
: 不过交钱的死了，没人付账的，银行一样收走，
: 银行是不是可以赖帐，说二奶从来没交过钱轰出去？
|
s**********o
发帖数: 14359 | 15 摇钱树还是很难找的吧，
骑驴找马容易，地上趴着
啥都找不着，搞不好还让人
占便宜
【在 O***n 的大作中提到】
: 二奶们不care。 找个下家就是了。
: 今朝有酒今朝醉，想那么远干嘛
: 长得美就是本钱。
: 也不用象你那样后天去弥补，练啊练得
|
d******t
发帖数: 1242 | 16 Then does it mean A can sell the house without B's consent, provided he/she
pays off B's loan? Will the reconveyance deed grant title back to B though,
not A?
【在 y****i 的大作中提到】
: the house belongs to the bank unless you pay off the loan
: you "rent" the house from the bank
:
: to
|
s**********o
发帖数: 14359 | 17 A是可以随时SELL的，B不过是义务掏钱的，
A卖了房子，可以对B说，我不要你的臭钱
she
though,
【在 d******t 的大作中提到】
: Then does it mean A can sell the house without B's consent, provided he/she
: pays off B's loan? Will the reconveyance deed grant title back to B though,
: not A?
|
y****i
发帖数: 17878 | 18 A can do whatever to the house
deed goes to the buyer of the house
if B pays off the loan, deed goes to A
she
though,
【在 d******t 的大作中提到】
: Then does it mean A can sell the house without B's consent, provided he/she
: pays off B's loan? Will the reconveyance deed grant title back to B though,
: not A?
|
d******t
发帖数: 1242 | 19 Good to know! I need to have my husband notarize something tonight...
【在 y****i 的大作中提到】
: A can do whatever to the house
: deed goes to the buyer of the house
: if B pays off the loan, deed goes to A
:
: she
: though,
|
y****i
发帖数: 17878 | 20 please don't tell me he is B and you are A
hehe
kidding
【在 d******t 的大作中提到】
: Good to know! I need to have my husband notarize something tonight...
|
|
|
d******t
发帖数: 1242 | 21 Oh, I never advise on title issues... I know better... So unless he checks
with someone, he wouldn't know what he's notarizing...
【在 y****i 的大作中提到】
: please don't tell me he is B and you are A
: hehe
: kidding
|
s**********o
发帖数: 14359 | 22 看来是你付账，房子挂在老公名下了？LOL
我看老美就是夫妻俩还弄个TRUST
【在 d******t 的大作中提到】
: Good to know! I need to have my husband notarize something tonight...
|
d******t
发帖数: 1242 | 23 我们家一直是我付账的。。。;) 他只关心钱包里的lunch money够不够。
弄个trust我的理解是哪天人走了留下的东西都交代好吧。不是夫妻俩一人一个trust吧？
抱歉把LZ的楼给歪成这样。。。
【在 s**********o 的大作中提到】
: 看来是你付账，房子挂在老公名下了？LOL
: 我看老美就是夫妻俩还弄个TRUST
|
y****i
发帖数: 17878 | 24 just husband and wife still need a trust if you want your assets to be
distributed the way you want.
【在 s**********o 的大作中提到】
: 看来是你付账，房子挂在老公名下了？LOL
: 我看老美就是夫妻俩还弄个TRUST
|
J*******Z
发帖数: 528 | 25 更加专业！
refinance
【在 s****d 的大作中提到】
: Title change and Loan mod are separate issues.
: You can quit-claim your interest in the property to anyone, but that does
: not change your obligation as a co-borrower on the loan. If you want to be
: removed as a co-borrower on the loan, you will have to contact the lender.
: The other option, if possible, would be to ask your co-borrower to refinance
: and "buy you out". That would pay off the original note that you are a co-
: borrower on. In most of the divorce cases for example, this is the best
: route.
|
s****d
发帖数: 98 | 26 再有就是把房子Title加在Family Trust里，可以避免Probate! 唉又想起康妈的事了。
【在 y****i 的大作中提到】
: just husband and wife still need a trust if you want your assets to be
: distributed the way you want.
|
