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In New York, property titles can be transferred through either a gift deed or a sale deed, depending on the nature of the transaction. A gift deed is used when property is transferred without any exchange of money, often between family members.
The simplest way to add a spouse to a deed is through a quitclaim deed. This type of deed transfers whatever ownership rights you have so that you and your spouse now become joint owners. No title search or complex transaction is necessary. The deed will list you as the grantor and you and your spouse as grantees.
No, you can not add anyone to a mortgage without refinancing. Exactly why do you want to burden your new wife with a mortgage?
Entire (100%) by Seller If there are more than one grantee (besides husband and wife), this is considered tenancy in common. Each party owns an equal interest unless otherwise stated. A tenants in common interest can be sold or devised in a Will.
Youd talk to a real estate lawyer. Also talk to an accountant (as well as the lawyer) to make sure that adding someone on the deed will accomplish what you want.
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At the time your quitclaim deed is recorded, you will need to pay a filing fee and any reassessed property taxes based on the change in ownership. The filing fee should be minimal, under $100, with most states charging under $50. The cost will depend upon your county and state.
For example, a quitclaim deed would be used for a name change on a warranty deed, such as to add a new spouse or a child to the title, or to remove the name of a spouse following a divorce. A quitclaim deed also can be used to correct mistakes.
How Do I File a Deed or Add or Remove Someone From My Existing Deed? Unfortunately, once a deed is recorded in New York State, it cant simply be amended or modified. A new deed must be recorded to change ownership.

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