Can I add someone to my title but not my refinance loan?

Yes, you can add someone to your property title without including them on the refinanced mortgage loan. When refinancing, you have options to add co-borrowers, co-applicants, guarantors, or simply a title holder. Here’s how they differ:

• Co-borrowers, co-applicants, and guarantors: These individuals share financial responsibility for the loan. They are committed to helping repay the refinanced mortgage and will be legally obligated to make payments.
• Title holder: A title holder, on the other hand, shares ownership of the property without being part of the loan. They’re not responsible for any loan payments. This arrangement is often used to add a spouse, family member, or friend as a co-owner of the home, without attaching them to the mortgage debt.

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More resources

• What is Better Settlement Services (BSS)?
• A breakdown of title and settlement services
• A guide to understanding title fees
• Free Mortgage Refinance calculator: See how much you can save