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Instead of purchasing a home with a mortgage, the buyer agrees to directly pay the seller in monthly installments. The buyer is able to occupy the home after the closing of the sale, but the seller still retains legal title to the property. Actual ownership passes to the buyer only after the final payment is made.
There are various modes of transferring ownership of property: permanently by 1) relinquishment 2) sale 3) gift; and temporarily by way of 4) mortgage 5) lease and, 6) leave and license agreement.
Signing - According to Minnesota Law, the quitclaim deed must be signed by the Grantor (the seller of the property) in the presence of a Notary Public ( 507.24). Recording - All deeds filed in the state must be filed with the County Recorders Office ( 507.0944).
As a homeowner, you have the ability to execute a quitclaim deed to change ownership, and you dont need to refinance the mortgage loan to file a quitclaim deed. Filing a quitclaim deed will change only the propertys ownership and title, not anything regarding the loan.
State deed tax (SDT) SDT is paid when recording an instrument conveying Minnesota real property. The rate is 0.0033 of the purchase price. SDT for deeds with consideration of $3,000 or less is $1.70. Hennepin County adds an additional .
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Minnesota charges a flat fee of $46.00 to record a deed. A deed that cross-references more than four other recorded documents requires an additional $10.00 fee for each document referenced over four. A deed that requires a well disclosure certificate requires an additional $50.00 fee for filing the well disclosure.
A quit claim deed transfers the legal ownership of the property from one party to another, and doesnt require attorneys or legal help, unless you choose to consult an attorney.
Minnesota law clearly sets forth the steps that must be taken to terminate a contract for deed. Once a default exists and the seller has decided to terminate the contract for deed, a notice of termination must be served upon the purchaser under the contract for deed.
Signing ( 507.24) A quitclaim deed must be signed with the Grantor(s) present with a Notary Public present. Well Disclosure Certificate If the property has a new well since the property was owned by the Seller then the Well Disclosure Certificate must be attached to the deed (or Filed Electronically).
A Minnesota quitclaim deedalso called a deed of quitclaim and releaseis a deed that transfers Minnesota real estate with no warranty of title. The person who signs a quitclaim deed transfers whatever interest he or she has in the property but makes no promises about the status of the propertys title.

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