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

When it comes to refinancing, you can add a co-borrower, a co-applicant, a guarantor, or a title holder. All of these parties will share some of the financial risk with you—in other words, they’ll be on the hook for paying off the debt of your new mortgage—except for a title holder. A title holder simply shares ownership of the property, but isn’t associated with the refinanced loan or obligated to make payments. This person can be a spouse, relative, or friend. Curious to see how much you could save by refinancing? Check out rates and see which terms you qualify for today.

See today's refinance rates

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