Updating Your House Title After Marriage
Embarking on the journey of marriage often entails significant administrative adjustments, including updating important legal documentation. If you've opted to change your name after tying the knot and you own property, ensuring your name is correctly reflected on the house title is paramount.
This comprehensive guide is designed to assist you in seamlessly navigating the process of changing your name on a house title following marriage.
Steps to Change the Title:
Confirm Your New Legal Name: Before initiating the process, decide on the name you'll be adopting post-marriage. Whether you choose a hyphenated surname or a complete name change, consistency across all documents is key.
Update Your Social Security Card: Begin by updating your name with the Social Security Administration:
Complete the SS-5 form, available on the Social Security Administration's official website.
Gather necessary identity proofs, including your current Social Security card, birth certificate, and marriage certificate.
Submit the application by mail or in person at a local Social Security office, with no associated fee.
Obtain a New Driver’s License: With your updated Social Security card, visit your local DMV:
Bring your current driver’s license, marriage certificate, and proof of residence if you've relocated.
Once you've obtained your updated driver’s license reflecting your new name, proceed to update the house title.
Review Your Current House Title: Thoroughly examine your existing house title to understand its specifics, such as sole ownership or joint ownership.
Visit the County Recorder’s Office: Changing your name on the house title typically involves:
Drafting a new deed, usually a ‘Quitclaim Deed,’ with assistance from a real estate attorney or title company.
Ensure the deed is accurately drafted and sign it in the presence of a notary public.
Submit the deed, along with any required documentation and nominal recording fees, to the county recorder’s office where the property is located.
TIP: Typically a title company will be able to do all of this step for you, although there will be fee’s associated. You can contact the title company that assisted you with your closing on the home, or seek a recommendation from a qualified real estate professional.
Inform Your Mortgage Lender: Notify your mortgage lender about the name change to prevent any future complications or miscommunication.
Update Homeowner’s Insurance and Tax Records: Contact your homeowner’s insurance provider and the county tax assessor’s office to update your name on relevant records.
Review Other Property Documents: Consider updating additional legal documents such as wills, trusts, or power of attorney documents to reflect your new name.
Plan for Future Transactions: Ensure all future property transactions are conducted under your new name to maintain consistency and avoid legal issues.
Secure Your Documents: Safely store all related documents, considering options like a fireproof safe or a safety deposit box for both physical and digital backups.
Tips for a Smooth Process:
Seek Professional Assistance When Necessary: Consider hiring professionals like real estate attorneys for complex aspects of the process.
Stay Organized: Maintain a checklist and dedicated folder for all paperwork to streamline the process and future reference.
Communicate with Your Partner: Keep your spouse informed about the changes, especially if the property is jointly owned.
Conclusion:
Updating your house title post-marriage ensures the accuracy of your property rights and facilitates smooth future transactions. By diligently following the steps outlined above and staying proactive, you can navigate this process with confidence and safeguard your property interests effectively. Remember to keep your mortgage company informed and educate yourself on relevant legal nuances to ensure a seamless transition.
