Texas

TEXAS- my husband thru his divorce got the house that they shared. Him and I met,we have been married for 16 yrs now and have 3 children. In 2004 we refinanced the house and I just found out that my name is not on the deed but my name is on the mortgage loan. We did that for me to be on the deed also(that's what he told me)my ? is- how do i need to get my name on the deed. If its not 50/50 then I need to get my name off the loan. How do I go about that?  I will take any advice, I think he screwed me?

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You can't take your name off of the loan unless you get a new loan.  As far as the deed goes, you should be able to have your name added.  In Texas, surviving children are entitled to a portion of the property owned by parents, unless otherwise stated (in a will).  In other words, get a lawyer.

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Adding yourself to a mortgage deed is easy...just call your local title company and ask them to add you.  They might charge a small fee for this.  But remember, Texas is a community property state so since you are legally married you own 50% of the house regardless.

However, now that Texas mortgage rates are so low you guys might want to call your local Texas mortgage broker and refinance...get a lower mortgage rate and make sure your on mortgage and title.

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