Q: I live in TN and have a home that I am the only one on the deed because I owned it before marriage, does my spouse have
to sign in order for me to obtain a home equity loan
There is no legal requirement that she convey as a grantor on the deed of trust. However no lender will loan you money if later when they might foreclose on you they have a problem with her being in possession.
She has no reason to sign the note unless she is getting the money, but the lender will require her conveyance on the deed of trust.
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