tag:blogger.com,1999:blog-7099727.post9012112123179033750..comments2008-05-01T07:26:09.796-06:00Faithhttp://www.blogger.com/profile/13586875268181033533noreply@blogger.comBlogger9125tag:blogger.com,1999:blog-7099727.post-24451327046099449132008-05-01T07:26:00.000-06:002008-05-01T07:26:00.000-06:00XO, according to the loan processor, if we don't put him on the title, he has to sign some waiver thingy. <BR/><BR/>And yeah, basically the title can be in both our names, but the mortgage is just in mine. Works out best for everyone, due to the credit issues. (My credit score is at 805 now, according to my broker. Holy SHIT! I don't know what Leo's is at, but I'm pretty sure it's not near 800...)<BR/><BR/>Twin, good call. I'll try calling Brother in a little bit.<BR/><BR/>Emaw, as always, your advice is simply amazing. I really, really appreciate it. And I swear that if anything happens to the change mug you have on your desk, it wasn't me.Faithhttp://www.blogger.com/profile/13586875268181033533noreply@blogger.comtag:blogger.com,1999:blog-7099727.post-30000279553244017602008-04-30T20:38:00.000-06:002008-04-30T20:38:00.000-06:00In California, I am the only person named on the mortgage even though title is held in both my name as well as the trust.faithstwinhttp://www.blogger.com/profile/09622065291697992889noreply@blogger.comtag:blogger.com,1999:blog-7099727.post-9945101249844048072008-04-30T20:37:00.000-06:002008-04-30T20:37:00.000-06:00I have two suggestions: keep it to yourself and have all your interests be added to the family trust (in the will) that way he would be taken care of no matter what or add the family trust as the second title owner (like my house is) so no matter what, it will be spread out in case of your passing. I don't know how any of that is done, but our Brother might be able to help you work it out.<BR/><BR/>I hate 'real life' shit.faithstwinhttp://www.blogger.com/profile/09622065291697992889noreply@blogger.comtag:blogger.com,1999:blog-7099727.post-83584579210364756592008-04-30T18:00:00.000-06:002008-04-30T18:00:00.000-06:00he gets half anyway. make sure there are no loose bricks in the house.meesha.vhttp://www.blogger.com/profile/16640259113083899984noreply@blogger.comtag:blogger.com,1999:blog-7099727.post-72156104183537849192008-04-30T17:59:00.000-06:002008-04-30T17:59:00.000-06:00Yeah, see, what Janet said. How can a person be on the title if they aren't on the mortgage?<BR/><BR/>I don't get that.<BR/><BR/>How can you be a joint owner of a piece of property if you don't have any financial obligation to the property?<BR/><BR/>Scenario: The mortgage is in your name only, but the title is in both your names. You die (God forbid). What? He just owns the house now and doesn't owe anything because he wasn't on the mortgage?<BR/><BR/>That doesn't make any sense to me.Xavier Onassishttp://www.blogger.com/profile/01345787343828318445noreply@blogger.comtag:blogger.com,1999:blog-7099727.post-91664231202226455432008-04-30T17:22:00.000-06:002008-04-30T17:22:00.000-06:00check the state law, you may have to whether you want to or not. my ex did, but we were in MO. double check.Janethttp://www.blogger.com/profile/02382705846931966715noreply@blogger.comtag:blogger.com,1999:blog-7099727.post-7935855356533791362008-04-30T17:16:00.000-06:002008-04-30T17:16:00.000-06:00leave him off - emawkc has got it right. eventually you're gonna want to put your house in a trust (tax reasons) so you might as well make those kinds of changes all at once.lynhttp://www.blogger.com/profile/02661940975984433634noreply@blogger.comtag:blogger.com,1999:blog-7099727.post-66446547687005239632008-04-30T15:48:00.000-06:002008-04-30T15:48:00.000-06:00The way I see it, adding him can only hurt you. <BR/><BR/>If you die, then as your spouse he automatically inherits all your crap (unless he dies at the same time in some kind of horrible meat-cleaving accident or a suicide-murder (that's right, he commits suicide and then kills you. It could happen.) or unless he offs you for the money (which he would never do, right?). So that pretty much covers you from the death perspective.<BR/><BR/>You guys already have a strong marriage, so no need to stroke his ego by adding him. There are other things you could stroke, however, that wouldn't hurt your marriage any. Just sayin'.<BR/><BR/>Feel free to add me to the title, though, as your trusted adviser.emawkchttp://www.blogger.com/profile/00870340800475532887noreply@blogger.comtag:blogger.com,1999:blog-7099727.post-67774892577370377012008-04-30T15:36:00.000-06:002008-04-30T15:36:00.000-06:00I say add him. In for a penny, in for thousands of dollars.Spyderhttp://www.blogger.com/profile/10469832764480816567noreply@blogger.com