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changing the deed on my house

DH and i bought a house prior to marriage (gasp!) and now in order to update my insurance they said i need to get the deed changed first (to reflect my new married name). All the lady said was "go to the courthouse" and i found that lacking.

 Has anyone else gone thru this process? If so, any tips? I live in Cherry Hill. otherwise i'm off to NJ.gov i guess.

Re: changing the deed on my house

  • Hi,

    Trisha here from Mt Laurel. I have to do the same thing but havent got to it yet, I was told to call my twp clerks office but havent done so...let me know what u come up with.

    Thanks :)

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  • I'd also be curious how this works b/c I have to do it in a few months
  • ok, well this is what i have found out. You need to contact a real estate agent or attorney to have them draw up a new deed, NO idea how much that wil cost. Then send that to your county clerk's office and they record it. In camden county it costs 40 bucks for the 1st page and 10 each addltn page. (which sounds like a rip to me) and then they send you back the new deed.

    if anyone knows anything different please let me know.  

  • Are you sure this is necessary? Maybe it's a company policy? We bought our house before we were married as well and my name is on the deed as well as the insurance. The insurance is in my married name and it's not a problem because both of our names are on it and it can be tracked by my ssn. I have never been told I needed to change it unless it was a problem when we go to sell it in the future.
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  • I read that it's better to change it b/c as of now the mortgage shows on both of our credit reports as 100% where once we are married it will show 50/50. Does anyone know if that's true? They were talking about it on the money matters board
  • My insurance company changed my name over the phone (State Farm).

    My mortgage company wanted me to fill out a form and send a copy of my insurance in my married name.

    I haven't changed the deed and the house is only in my name.  I've been told that it really isn't worth messing with because the mortgage is tied to your SSN and that shows any aliases.

    I *think* what they do is when you go to closing they take care of the name change.

    If it's going to cost a decent amount of money, I don't know that it's really worth it.  Think about how long you'll be in the house before you do it.

  • I actually just consulted a lawyer a few weeks ago about this very topic.  I bought the house in my name only before we were married, and the lawyer said it does not have to be legally changed on the deed (unless I really wanted to for sanity's sake!)   We're getting ready to refinance and add hubby to the mortgage/deed and I spoke with my mortgage company who said they would just change my name when we do closing on the new loan.  No one has said anything, just the water/sewer and tax bills say my maiden name so I have to remember to have that on the check, etc.

     

    The lawyer I was working with estimated it would be several hundred dollars ($300+?)  for her to draw up the new deed and have it recorded...and could be done as quickly as about a week if needed that fast.

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