How to Change Name on House Title After Marriage
Sep 7, 2023
Getting married often involves many logistical changes, one of the most crucial of which might be altering your name on important legal documents. If you're among the many who choose to change their name post-nuptials, and you happen to own property, updating the house title is a step you cannot miss.
This guide breaks down the process to help you change your name on a house title after marriage seamlessly.
How to Change the Title: A Step-by-Step Guide
1. Decide on Your New Legal Name
Before you begin, you need to be certain about the name you're adopting after marriage. Some opt for hyphenated last names, while others prefer a complete name change. Decide what's best for you and ensure it's reflected consistently on all documents.
2. Update Your Social Security Card
Before making changes to your house title, it's pivotal to update your name with the Social Security Administration.
- Fill out the SS-5 form, available on the Social Security Administration's website.
- Gather proof of identity, such as your current Social Security card, birth certificate, and marriage certificate.
- Submit the application either by mail or in person at a local Social Security office. There is no fee for this service.
3. Get a New Driver’s License
With your updated Social Security card, head to your local DMV. Requirements may vary, but generally, you'll need:
- Your current driver's license.
- Your marriage certificate.
- Proof of residence if you've moved.
Once you have your new driver's license reflecting your updated name, you can move to update the house title.
4. Review Your Current House Title
Examine your current house title to understand its specifics. Are you the sole owner, or is the property jointly owned? This knowledge is essential because it will dictate the process of changing your name.
5. Approach the County Recorder's Office
The process to change your name on a house title often involves:
- Drafting a new deed. This is typically a ‘Quitclaim Deed’ which transfers property ownership from your old name to your new name. Despite the name, it’s a straightforward process and doesn’t mean you’re relinquishing property rights.
- Consult a real estate attorney or title company to ensure that the deed is drafted correctly. Remember, even minor discrepancies can create legal complications.
- Sign the deed in front of a notary public. Ensure you have valid identification, like your updated driver's license and marriage certificate.
- Submit the deed to the county recorder’s office in the county where the property is located. There may be a nominal recording fee.
6. Inform Your Mortgage Lender
If you have a mortgage on the property, it's imperative to inform your lender about the name change. While the name on the mortgage note won't change until it's refinanced, lenders should be made aware to prevent any miscommunication or issues down the line.
7. Update Homeowner’s Insurance and Tax Records
Don't forget to reach out to your homeowner’s insurance provider to inform them of the name change. Also, contact the county tax assessor’s office to update the name on property tax records.
8. Consider Other Property Documents
While the house title is the primary document, also consider revisiting your will, trust, or power of attorney documents. If your name has changed, these legal documents should reflect that to avoid future complications.
9. Consider Future Transactions
After updating your house title post-marriage, any future transactions or dealings with the property should be executed under your new name. This includes selling, leasing, or refinancing. Ensuring consistency will prevent complications and legal hurdles down the road.
10. Store Your Documents Safely
Now that you’ve successfully changed your name on the house title, it’s imperative to store all related documents safely. Invest in a fireproof safe or consider a safety deposit box at your bank. Given the importance of these documents, having both digital and physical backups can offer peace of mind.
Tips for a Seamless Process
Deed Recorded for Title Change
Hire Professionals When Needed
While many steps can be handled personally, sometimes it’s worth hiring professionals like real estate attorneys to ensure all details are addressed correctly.
Keep a checklist and a dedicated folder for all paperwork and correspondence related to the name change process. This can be incredibly beneficial if disputes or questions arise in the future.
Communicate with Your Partner
If you've purchased property jointly, ensure your spouse is in the loop. Any changes, even if they pertain to one person, can impact both parties.
Ensuring your house deed accurately reflects any title changes post-marriage is a crucial step that safeguards your property rights and streamlines future transactions, like selling property. As you navigate this transition, it's imperative to ensure your deed is recorded accurately, keeping in mind details such as the legal description and property address. Engage in a comprehensive title search to avoid any unforeseen disputes and always consider investing in title insurance for added protection.
In the context of a mortgage company, it's equally vital to keep them updated on these changes, ensuring a harmonious relationship as you repay your home loan. Couples should also educate themselves on the nuances of holding titles, such as the difference between community property and joint tenants. This knowledge becomes especially relevant if a spouse dies, influencing whether the property undergoes the probate process or if the surviving spouse assumes full ownership.
Lastly, always be mindful of potential recording fees associated with title changes, as these can vary based on jurisdiction. By being thorough and proactive in updating your house deed, you not only protect your rights but also pave the way for smoother financial transactions in the future.