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can husband refinance the home without wife consent?

by mgonza_332_874 from Cicero, New York. Sep 24th 2012 Reply


Pam Schubert - VA certified loan specialist (pschubert)
#17 ranked lender in Wisconsin - 24 contributions

The wife will have to sign paperwork at closing. She can prevent the refinance from happening by not signing. A person can purchase a home without their spouse signing anything but they cannot refinance without the spouse.

Sep 24th 2012
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Bert Carpenter (BertCarpenter)
#37 ranked lender in Arizona - 1,823 contributions

A Husband (or a Wife) can arrange for a loan without the other's consent. However, If the property is owned by both H&W, then the signature of the non-borrowing spouse is required to sign documents relating to the change of title that removes the non-borrowing spouse from ownership of the property. The new lender will want the ability to foreclose for non-payment, and can't do that if one of the current owners (at the time of the loan) is not on the loan. If you are not on title to the property, then you have no say in what the owner can do. ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com 888-889-9950

Sep 25th 2012
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Scott Irvine (Scott Irvine)
#7 ranked lender in New Jersey - 15 contributions

well with the limited informationa bout the legal perameters of this situation, He could if he was the only owner of the property, however if you are on the deed thn no he could not in normal circumstances. There maybe some scenarios he could but you need to seek legal advice on this matter not financial.

Sep 24th 2012
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Michelle Curtis Loan Originator NMLS 401173 (EmbassyFundingLLC)
#78 ranked lender in Florida - 2,240 contributions

In most cases the answer is no.

Sep 25th 2012
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