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having shared property with someone as common especially between spouses it is also common to have the same bank accounts and even the same debts however this is not a universal experience and there may be some instances where both you and your spouse would be better off only including one name on the official document instead of sharing mortgage versus deed to get a better understanding of how property ownership Works in New York it is important to first get a grasp of the differences between the mortgage and the deed while both are legal documents concerned with real estate and can often be used interchangeably they perform very different purposes knowing the difference between these two documents and what they represent can allow you to have better insight into how to protect your rights as well as to learn about the responsibilities and expectations required of you as a homeowner title deed the title of the property represents its actual ownership the ownership of a piece of real e
