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About Denise Monaco
Expertise
I can answer questions about home mortgage financing, the difference between a mortgage banker and a mortgage broker, fees involved in purchasing a home and refinancing a home or obtaining a home equity loan and the difference between a 1st & 2nd mortgage and the option to have PMI (Private Mortgage Insurance) Jumbo loans, conforming and non-conforming loans.

Experience
I have been a closer, processor and operations manager and currently a account executive for a national mortgage banking company. I have been in the field for 25 years.

Education/Credentials
Real Estate License & 25 years field experience with many national mortgage banking companies.

Awards and Honors
Top sales person, employee of the month, highest sales award

Past/Present Clients
personal home buyers

You are here: Experts > Shopping > Home Buying/Selling > Real Estate Home Mortgages > Refinance Loan

Real Estate Home Mortgages - Refinance Loan

Expert: Denise Monaco - 9/3/2009

Question
I was still carrying my ex husband name at the time I purchased my home so that is the name that the deed is recorded. I have since went back to my maiden name and would like to know if I can have my mortgage loan in one name and the deed in another last name? I am getting conflicting answers.

Answer
Hi Amanda

The deed can have different names than the loan, the deed is who has interest in the property the actual mortgage is the responsibility to pay back the loan. If you do refinance whomever is on the deed does have to sign the mortgage (or deed of trust, depending on your state) to acknowledge that there is a lien on the property that they have interest in. I hope this helps you.

Denise

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About Real Estate Home Mortgages
This topic answers questions related to purchasing a home, owning a home, home ownership, mortgage education, mortgage applications, and mortgage needs whether buying a first home or refinancing a current loan. Issues related to home ownership, home equity, mortgage education, refinacing options, home improvment finacing, first time home loans, home equity loans, vactation home loans, and mortgages for investment homes are dealt with here also. Though not the primary focus of this topic, Home Equity Lines of Credits (HELOCS), reverse mortgages, and calculating home equity may also be asked. If you do not see your home mortgae, home finacing, or home equity question answered in this area then please ask a question here