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Can my husband refinance our house without me knowing

by Pennykauffman12576 from , Virginia. Aug 27th 2014 Reply


Dave Metsker (DaveMetsker)
#37 ranked lender in Oregon - 2,317 contributions

No conventional lender will do this. A very, very few private lenders might lend him a small amount, if there is a large equity in the home.

Aug 27th 2014
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Larry Gray (lgray_312_247)
#596 ranked lender in California - 1,139 contributions

If you are both currently on the loan and title he most definitely can not refinance the home without you knowing. At the very least, in a private loan situation, the escrow/title companies should be demanding you sign papers even if you are not currently on the loan.

Aug 27th 2014
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We'll we got the house in 2009 I signed and he signed for it but in 2011 he threw me out we'll I called the mortage co and they are saying they have no records of a mortage in either name how can this be?

Aug 27th 2014
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Dave Metsker (DaveMetsker)
#37 ranked lender in Oregon - 2,317 contributions

The original mortgage company has no doubt transfered it to another serivcing company, hence they have no more record. Order a free credit report at www.ftc.gov. This will show the current servicing company, whether the loan is current, and will include their contact information.

Aug 27th 2014
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Jeanette Salamon (Jeanette)
#65 ranked lender in Virginia - 32 contributions

If you are on title or on the mortgage then you would be required to sign documents in order to refinance. Other than streamline refinances, you would also be required to provide income and asset documentation.

Aug 28th 2014
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Joe Metzler (JoeMetzler)
#2 ranked lender in Minnesota - 3,852 contributions

NO, he can not refinance without your consent if you on on the loan. One to buy, two to sell or refinance. If you are married but not on the loan, he still needs your signature.

Aug 28th 2014
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William J Acres (William_Acres)
#1 ranked lender in Arizona - 8,553 contributions

If your name is currently on the deed, then he will need you to sign acknowledging the terms of the refinance. Your lender is mistaken if they say they cannot find you, or it's possible that your loan has sold to a different lender. Ask your husband who the current lender is, and if he is not willing to tell you, you can contact a local title company and ask they to do a courtesy title search. That should tell you who the new mortgage company is. Good luck. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Aug 28th 2014
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