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Quitclaim Deeds??
Hi everyone!
My fiancee and I have been looking at houses for a very long time, and we finally found one! Our offer was accepted, and now all the paperwork starts 
I'm still a student and my hours at part time jobs are always changing, so since my fiancee works full time, we chose to base our loan amount off just his salary to make sure we don't get into anything we can't afford. I don't have any student loans or any other sort of debt.
So now that we're doing paperwork, our real estate agent tells us that for me to have my name on the title of the house along with my fiancee's, we have to do a quitclaim deed since my name isn't on the loan. I really wish she would've told us in the first place, since she knew we are getting married and knew our mentality behind only taking his salary into account, but I would've still been willing to put my name on the loan if I had known it would make a difference.
From what I can tell, quitclaim deeds are an obnoxious, paperwork-filled process involving lots of fees. Does anyone have any experience / helpful tips / advice / alternate way to get my name on the title at this point in the game?
Thanks!
Re: Quitclaim Deeds??
My understanding is that since MN is an equitable distribution state (as opposed to a community property state), all property owned by either spouse is considered marital property regardless of when the property was acquired - before or after marriage. That's what we were told, anyway.
I bought a home before marriage - I hadn't even started dating Andy yet, so my name is the only one on the title and the mortgage. Still, if I were to sell that condo, he has to sign off on it.
However, debt incurred before marriage is not considered marital debt. So, if were were to divorce, I would need Andy's permission to sell my condo because he has martial interest in the property, but the mortgage is still 100% mine because the debt was incurred prior to marriage and is therefore not shared debt.
In any case, check with a real estate attorney to be sure, but it's possible that if your fiance were to unexpectedly die after you're married, you would have ownership of the house even if your name isn't on the title.
Mr. Sammy Dog