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hi this is Paula Waterman with Castle Rock mediation and this is Chris Waterman the Denver mortgage guy today we want to talk to you about what is the diff ing somebody from Thai those are two different things yeah we get this question a lot especially because we have a divorce Services business and when people are getting a divorce one person may want to keep the house and the other person is going to leave the marital property and when you do that you got to take them off the mortgage and off the title or the deed to the house so how do you do that I know a lot of people have heard the term quit claim deed right oh I just do a quick claim deed and itll all be done in one fall swoop no it doesnt work that way a quick claim deed only removes somebody from the title the property doesnt remove them from the mortgage theyre two separate things so title basically means whos the owner of the property right when you say Im on title that basically means you own the property just like w