Portsmouth, VA asked in Real Estate Law for Virginia

Q: currently unmarried and have a VA home loan/title solely in my name.What is best way to have spouse Added once married?

Is it possible to just have spouse added to va loan once married or are the only options: refinancing and adding them, doing a gift deed or quite deed? Mostly curious about having then added to the deed and not necessarily on the mortgage

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1 Lawyer Answer
Ross Cameron Hart
Ross Cameron Hart
  • Salem, VA
  • Licensed in Virginia

A: My first thought is "WHY?" Why would you want your (new) spouse to become legally responsible for a loan that you, individually, qualified for. You don't need to.

As for adding your (new) spouse to the title to the property, it's fairly easy and any real estate lawyer can do it. It will not result in the loan having to be refinanced due to a law called Garn-StGermain passed in 1988

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