Ask Bill your personal finance question

Spouse Not On Mortgage

What is the form that is used when you are married, but purchase a home without the spouse being on the mortgage?

What is the form that is used when you are married, but purchase a home without the spouse being on the mortgage?

Read full question
Bill's Answer
(7 Votes) | Find Learn Save

  • It is common for one spouse to be on the mortgage and title.
  • The mechanics for filing a one-spouse transaction vary by state.
  • Consult with your real estate agent for details on one-spouse transactions.

The situation you described is common -- one married person may appear on a mortgage or property title for myriad reasons. The name of what you called a form varies by state. In most states it is not even a form. The letter to the county clerk is often just called "recording instructions" or something equally non-descriptive. It is prepared by the title company or escrow company.

Consult with your real estate agent, title company, or attorney who is handling the transaction for the exact name of this document in your state.

I hope this information helps you Find. Learn & Save.



Get Mortgage Rates!
(7 Votes)

People also like to Read

Betsalel Cohen

Mortgage programs have different minimum credit score requirements. However, lenders often have stricter rules. It is importa... Read more >>

Betsalel Cohen

FHA Loans | FHA Loans are extremely popular for first-time homebuyers. Some of the huge benefits, including low down payments... Read more >>

Betsalel Cohen

Mortgage Basics - Down-payment, Equity, and LTV | Learn about mortgage terms relating to your property's value and how it aff... Read more >>

Betsalel Cohen

Whether you are refinancing or buying a home you will ask yourself if you can afford the mortgage. Learn to prepare and evalu... Read more >>

Betsalel Cohen

Qualify for a Mortgage | You can get qualified for a mortgage and the best rates by preparing yourself. Make sure that your c... Read more >>

Mark Cappel

Applying for a mortgage with bad credit and a spouse isn't as difficult as you may think. Learn the what lenders look for whe... Read more >>

Betsalel Cohen

PMI | If you are looking to buy a house and take a mortgage loan with a low down payment then PMI can...... Read more >>

Brad Stroh

Refinance My Home? If you are asking 'Should I refinance my mortgage?' or 'Is refinancing my home a good?', then check out ... Read more >>


1500 characters remaining
  • KC
    Apr, 2012
    Thanks for the information it is always nice to gain good tips around which works in future for us.
    0 Votes