How to remove name from house title

Removing someone from a deedis it possible? The short answer: No.Misconceptions and RealitiesIt is a misconception that someone can be removed from the deed.Nor can a co-owner simp

How to remove name from house title

Removing someone from a deedis it possible? The short answer: No.

Misconceptions and Realities

Image of two people at a desk with real estate deed discussing removing one of them from the deed.

It is a misconception that someone can be removed from the deed.

Nor can a co-owner simply take away another partys interest in a property by executing a new deed without that other party.

In short, no one can be passively removed from a title.

Even if an owner added someone else to the real estate deed previously, the first owner cannot reconsider and take the second person off the deed.

Why?

  • By conveying an interest in property ownership, the first owner legally gave the second owner the same bundle of rights held by the first;
  • Therefore, that conveyance cannot later be undoneexcept with the additional owners consent.

If the co-owners agreed to be named on the title at the time of its conveyance, and no owner is willing to relinquish an interest in the property, then both are, and both remain, the propertys legitimate owners.

The only way to forcibly change the ownership status is through a legal action and the resultant court order. However, if an owner chooses to be removed from the deed, it is simply a matter of preparing a new deed transferring that owners interest in the property.

Quiet Title Actions

What if someones claim mustbe removed to correct the chain of title? The quiet title action is the appropriate legal action to clear up defects on a property title.

If some party is improperly named on the title, can the impropriety be demonstrated in court? If so, acourt, as a result of the quiet title action, can clear the defects and legally establish a buyers rightful place in the chain of title.

For example, forgery, coercion, or some form of deed fraud might exist in a propertys conveyance history. If so, a successfulquiet title action willclear up the title for good.

Divorce Decrees

In divorce, the court may order one ex-partner to execute a new deed that results in only one person retaining an interest in the home. Aquitclaim deed is common.It releases (quitclaims) one partners property interest, leaving the whole interest to the other partner.

To keep the title free from ambiguity:

  • Both partners should sign the quitclaim deed. The spouse who is leaving the home is the grantor to the party who is receiving the entire interest.
  • The deed must release the whole property, and not just a half interest.
  • Following state law, the quitclaim deed should be accompanied by the divorce decree, or refer to itincluding the court, case number, and the date of the decree.

In some states, divorcing spouses may use the quitclaim deed to convey property; in other states,a deed without warranty is standard. In either case, a form is used to relinquish aproperty interest without creating any new title liabilities. Divorcing parties must follow state-specific legalformats(such as Minnesotasquitclaim and marital lienform).

An ex-spouse who is ordered to relinquish the property interest but fails to do so can be held in contempt of court, leading to fines, jail time, or both.

Note: Aquitclaim only releases a person from the deed, not the mortgage liability. Therefore, refinancingor selling is common in divorces when the home has amortgage.

Partition Actions

A partitionis a legal action that results in the court-ordered sale of a jointly owned property. When two or more owners disagree on how to use the property, any ownermay file a partition action. Typically, the property is then sold to a new buyer. The sale proceeds must be divided among the owners according to their portion of ownership interests. In rare cases, a court may be able to order a property to be physically split up for the owners to keep their own proportionate sections of the real estatebut for obvious reasons, this is impossible to do for a house.

A partition may be needed, for example, when the adult children of a deceased parent receive joint ownership of a family property, and disagree on what to do with it. When a partnershippersonal or commercialbreaks up, a similar need can arise to divide the ownership interest in a property that was jointly held.

No party has the right to stop a court-ordered sale of the property by physically remaining on it. Yet ifthecourt-ordered sale is apublic auction, rather than handled through a real estate listing, an owner who does not wish to give up the propertycan attempt to acquire the sitethrough bidding on it.

A partition action may require a detailed accounting of owners contributions to maintenance, insurance, and taxes, as well as any income earned through the property.

The attorneys may try to effect a solution in which the property is sold and proceeds divided without a court order, according to a settlement agreement signed by all owners. Alternatively, one owner can buy out the others, resulting in the creation of a new deed reflecting the new ownership.

Each Case Is Unique

A clear title is essential when the time comes to finance or sell property. Attaining a clear title through legal action is a complicated process. In some cases, it involves obtaining loans to fund the buying out of co-owners, along with thestandard appraisal, mortgage, and closing processes.

The facts and the set of documentation connected with each case is unique. To protect your rights, speak with a real estate attorney licensed in your state when a dispute arises over co-owned property.

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