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In order to add someone to the title of your property, whether you have a loan or not, it is important to consult with a property attorney to ensure the process is done properly. If you own the property free and clear, you can add anyone to the title, but it is recommended to file the necessary documents with the courthouse. If there is a loan on the property, you must obtain the lender's permission to add someone to the title to avoid potential issues in the future. Failure to do so could result in the lender calling the note.