1 Hr Bookkeeper
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You have to get her to sign a "Quit Claim" Deed and file it with the county. Try going to a Title company in your area. They can help you will all the forms and do the filing for you. It will cost you a couple hundred dollars, but it's cheaper then refinancing and doing it through a refinance.
Hope this helps. |
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acermill
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You can gain full ownership by having your ex-friend sign a simple quit claim deed, which will remove her from any ownership interest. However, the mortgage is another scenario. In order for her to have her name off the mortgage, it must be refinanced by YOU. No lender will remove her without a refinance. |
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lilygateau
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Real Estate Lawyer |
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donald e
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acermill is right on with the only correct answer, and you can not get out of the mortgage without her, she will always have a claim and the lender will always have the right to go after her if you are late or default. So if you go down it destroys her credit also. Best bet is to refi if you can on paper handle the loan on your own. Unless you want her in your life for the remainder of the mortgage term REFI, I have seen it come back to haunt people years later on both sides, GET HER OFF THE DEED< TITLE AND MORTGAGE> NOW |
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James H
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You have to refinance the mortgage. You will probably have to use a different mortgage company as well. Finance companies hate to let a potential payer off the hook. The actuality is that you can't just remove a person from the mortgage. They have to be bought out. |
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Lottie W
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Call her and ask her to do it. Give her a deadline. Be nice.
Do you owe her any equity? Pay her.(If she paid any on the house, or gave any money toward down payment, before you seperated, you probably owe her some money) She may know that. She may want the money or the hold over you.
After the deadline passes, go to the courthouse and get a "quit claim deed".
Take it to her and fill it out, take her to a bank and have it notarized. Take her out to lunch.
Pay to have it registered at the courthouse.
Kiss her goodbye.
If she will not cooperate, take it to a lawyer, and then you will owe her and the lawyer.
Do this ASAP in case you get in an accident or she does. Her heirs may not be as dumb as she is. |
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evensonhimself
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re-fi and quit claim. if she says no tell her that your not gonna make the payments and it will hurt her credit!!!!! AHHHHH HAHAHAHAHAHA! |
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Christiane
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It is not as easy as it sounds. The bottom line is that you both made an agreement witht the lender to pay back the money they lent you. You need to contact the lender and refinance with them, (if you can qualify all on your own), or refinance with another lender...
You must get her off the loan and deed. Contact someone who is reputable and has good rates. Good Luck! |
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Adam S
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As others have indicated, a Quitclaim Deed may do the trick. |
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FeatureNoTeS
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Get a lawyer. |
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Goodbye
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Contact an Escrow company, or a real estate lawyer.
You will need to have filed with the county the deed is recorded in what is called a "Quitclaim Deed" It is a legal documenting changing the name and title holder of the deed to the property.
She will have to sign away her right to the property. |
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Salty but Sweet
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Contact the title company and the lender. The title company will provide you with the paperwork you need to remove her from the title.
Then you will have to have the house refinanced if she is still on the loan. Unless she doesn't mind being responsible for the debt on a house she has no title to. |
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starsdelite
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i think you have to have it refinanced into your name only. you need to speak to your finance company and ask them. you will have to speak to a lawyer if she wants compensation for it. |
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MIND THE GAP
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It is VERY UNLIKELY that she can get her name off the mortgage. She can transfer ownership to you with a quit claim deed. HOWEVER she will still be respsonsible for the mortgage until it is paid off. |
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toochp
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The easiest way is for her to sign a Quitclaim Deed. This document will grant her ownership percentage to you personally. You must immediately take it to the county clerk for recording (before she changes her mind). You can find Quitclaim Deed templates online or any office supply store. |
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Ralph N
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also the deed. |
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baserunner316
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you both bought it together but you might be screwed since the system tends to favor women. if you want it you might have to settle for buying her out. you also might want to get a a lawyer. good luck.
PS if you get married in the futrure make CERTAIN you get an iron clan prenup. |
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ashley
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call her and ask her to take her name off |
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smiley_face_boxers
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Call a lawyer. Posession is 9/10ths of the law. She is occupying it, but you are paying for it. What a nice guy, or a sucker.
If you want her out, I would ask a lawyer or realtor what to do. Maybe you'll have to buy her out for what the appraised value is.
Bad idea buying a home with a GF in the first place. |
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taykat
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I'm in a similar situation. I bought a house with my (ex)fiance and he decided that he no longer wanted the responsibility and walked away from me and the house and took his name off the deed thinking that would do it. He's now engaged and found that he can't make any big purchases because he has a mortgage so now he wants his name off the mortgage but the bank says no! He is already off of the deed (which he originally thought would release him from ALL responsibility), but the bank says that he is on there until the house is paid off or refinanced. Now he's engaged to someone else and wants his name off the mortgage. I don't believe he can make me sell it since he has no 'claim' on the house, but I'm still checking into it. |
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