Do you have to have permission from lender to add a name to a deed creating a joint tenancy? (Floroida)?



My friend was talked into adding her boyfriend to her deed and creating a joint tenancy. He makes no payments and has no equity in the property. There is a mortgage on the property and permission was not obtained from the lender before this was done. What can she do to get this reversed or is it even a legal deed in the first place since the lender is unaware of it and did not grant permission to do it.

Do you have to have permission from lender to add a name to a deed creating a joint tenancy? (Floroida)?
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2 Replies to “Do you have to have permission from lender to add a name to a deed creating a joint tenancy? (Floroida)?”

  1. He owns half the house now, including half the equity. She gave it to him. The deed is legal, what the lender will do is call the mortgage due, she is going to have to refinance.


  2. My 30 years in banking tells me she is stuck.Also whatever equity is in the property is also his.

    My banking experience was in CT., and real estate laws can be different state to state.

    In effect she added his name to the deed, so he now owns the property and legally is not obligated to pay anything.

    There are two parts to a mortgage, A legal promissory note explaining the payments and the deed that shows who is the owner.

    You should check with an attorney that specializes in mortgages.

    Good Luck





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