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If your name is on the mortgage, but not the deed, this means that you are not an owner of the home. Rather, you are simply a co-signer on the mortgage. Because your name is on the mortgage, you are obligated to pay the payments on the loan just as the individual who owns the home.
Quitclaim Deeds in California Anyone can give someone a quitclaim deed, but if the grantor doesnt actually own the property, the deed is worthless. As the grantee of a quitclaim deed, you dont have the right to sue the grantor for damages, making a quitclaim deed risky.
Property and debts acquired during a marriage are joint property in California. This means that each spouse has equal rights and responsibilities in the marital home and any mortgage thats secured by it. When a spouse signs a quit claim deed, he gives up all rights to the property.
When spouses jointly own property, they are each considered to have an interest in the entire property. To remove an ex-spouse, the deed should transfer the entire propertynot just a one-half interestto the spouse that will keep the property. The entire property should be included in the deed.
Today, Californians most often transfer title to real property by a simple written instrument, the grant deed. The word grant is expressly designated by statute as a word of conveyance. (Civil Code Section 1092) A second form of deed is the quitclaim deed.
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The California TOD deed form allows property to be automatically transferred to a new owner when the current owner dies, without the need to go through probate. It also gives the current owner retained control over the property, including the right to change his or her mind about the transfer.
What is the process for removing someone from a property deed? an application must be made to change the register - using Form AP1. if transferring the entire property, Form TR1 must be filed with the Land Registry. if a conveyancer is not handling the transfer, Form ID1 should also be filed along with the application.
One good reason to add a spouse to the deed of your home is for estate planning purposes, which may allow the property to transfer to your spouse outside the probate process, depending on the transfer language utilized in the granting clause. Another reason is for creditor purposes.
Youll have to ask a solicitor to draft the new terms and have this registered on the title of the property. You need to pay a fee to the Land Registry or Registry of Deeds to change the ownership. Your solicitor will also usually charge a fee.
If the property is owned as joint tenants with rights of survivorship or as tenants by the entirety, the deceased owners interest passes automatically to the surviving co-owner by operation of law. Generally, it is not necessary to have a new deed prepared removing the deceased co-owner.

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