Q: I thought that upon refinancing and being added to the DOT that the deed would be modified as well?
my husband refinanced his home a few years ago adding me to the deed of trust/mortgage. I was present and signed all the new loan agreements. However, I am being told I am not on the deed or title. Several people I know in real estate, as well as my divorce attorney, seem to have the understanding that I am co-owner of our home and will be entitled accordingly upon separation of assets and such during this divorce.
A: Your husband probably added you to the note for the lenders' security purposes only. To be placed on the deed as an owner, your spouse would have filed a Special Warranty Deed transferring to himself and you title to the property as community property.
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