How do I add or remove someone from the title to my home?

How do I add or remove someone from the title to my home?

Changing who is on title, whether adding a new spouse, removing a former one after a divorce, or taking a co-owner off, is done by recording a new deed, most often a quitclaim or warranty deed, that conveys the interest to the people who should hold title. The right document and wording depend on the situation, and in Idaho a spouse’s community property interest and any existing mortgage both matter: most lenders’ loans include a due-on-sale clause, and the existing loan usually stays in the original borrower’s name even after a deed changes title. A divorce decree often directs that one spouse deed the property to the other, but the decree itself does not change the recorded title. The deed does. A title company can prepare and record the deed and confirm it vests title the way you intend, though refinancing to remove a departing spouse from the loan is a separate step handled with your lender.

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