y****i
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judien (Now we are one!) 于 (Wed May 15 15:29:33 2013, 美东) 提到:
现在的title上是两个人的名字，想改成一个人，应该怎么操作？
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sdtosd (sdtosd) 于 (Wed May 15 18:08:00 2013, 美东) 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!
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daylight (家有猪朋狗友+小龙) 于 (Thu May 16 00:23:21 2013, 美东) 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.
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judien (Now we are one!) 于 (Thu May 16 00:24:44 2013, 美东) 提到:
thank you very much!
fee:
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enjoylifexu (熙来攘往) 于 (Thu May 16 00:51:57 2013, 美东) 提到:
果然专业
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sdtosd (sdtosd) 于 (Thu May 16 13:34:18 2013, 美东) 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.
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yudeli (余德利) 于 (Thu May 16 13:41:20 2013, 美东) 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
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daylight (家有猪朋狗友+小龙) 于 (Thu May 16 13:52:48 2013, 美东) 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?
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yudeli (余德利) 于 (Thu May 16 13:55:00 2013, 美东) 提到:
the house belongs to the bank unless you pay off the loan
you "rent" the house from the bank
to
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smallburrito (smallburrito) 于 (Thu May 16 14:00:27 2013, 美东) 提到:
不会有人傻到只交钱不拿名的吧
to
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Ogden (ogden) 于 (Thu May 16 14:02:55 2013, 美东) 提到:
irvine 给二奶团买得都应该是这样得吧
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smallburrito (smallburrito) 于 (Thu May 16 14:05:22 2013, 美东) 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？
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yudeli (余德利) 于 (Thu May 16 14:07:13 2013, 美东) 提到:
equity of the house, if there is any, still goes to the owner
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Ogden (ogden) 于 (Thu May 16 14:08:14 2013, 美东) 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
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smallburrito (smallburrito) 于 (Thu May 16 14:10:30 2013, 美东) 提到:
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
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daylight (家有猪朋狗友+小龙) 于 (Thu May 16 14:17:14 2013, 美东) 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?
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smallburrito (smallburrito) 于 (Thu May 16 14:19:50 2013, 美东) 提到:
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,
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yudeli (余德利) 于 (Thu May 16 14:23:02 2013, 美东) 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,
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daylight (家有猪朋狗友+小龙) 于 (Thu May 16 14:31:16 2013, 美东) 提到:
Good to know! I need to have my husband notarize something tonight...
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yudeli (余德利) 于 (Thu May 16 14:33:04 2013, 美东) 提到:
please don't tell me he is B and you are A
hehe
kidding
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daylight (家有猪朋狗友+小龙) 于 (Thu May 16 14:37:23 2013, 美东) 提到:
Oh, I never advise on title issues... I know better... So unless he checks
with someone, he wouldn't know what he's notarizing...
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smallburrito (smallburrito) 于 (Thu May 16 14:45:48 2013, 美东) 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
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daylight (家有猪朋狗友+小龙) 于 (Thu May 16 14:49:47 2013, 美东) 提到:
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。。。
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yudeli (余德利) 于 (Thu May 16 14:57:39 2013, 美东) 提到:
just husband and wife still need a trust if you want your assets to be
distributed the way you want.
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JenniferZ http://jenniferzhengrealty.blogspot.com 于 (Fri May 17 02:33:58 2013, 美东) 提到:
更加专业！
refinance
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sdtosd (sdtosd) 于 (Fri May 17 12:50:28 2013, 美东) 提到:
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。 |
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