Adding your Spouse to the House Deed in Washington: Sharing the Abode AND the Lawsuit (Hopefully Not!)
So, you've tied the knot (congratulations!), and now you want to tie your names together on that little slice of Washingtonian paradise you call home. Sharing your life is all sunshine and rainbows, but what about sharing the deed? Buckle up, because we're about to delve into the not-so-dramatic world of adding your spouse to your house title in Washington State.
Why Bother? The Perks of Co-Ownership
There are a few reasons you might want to add your spouse to the title. Maybe you're a romantic soul who wants your forever home to reflect your forever bond. Or, perhaps you're a practical pickle who wants to ensure a smooth inheritance process. Whatever your reason, here's the gist:
- Equity for Everyone: If your spouse contributes financially to the mortgage or upkeep, adding them to the title reflects their ownership stake.
- Survivor Benefits: If you kick the bucket (sorry to be blunt, but hey, planning is key!), your spouse automatically inherits the house. No need for them to wrangle with probate court while simultaneously mourning your fabulousness.
- Selling on the Same Page: If you ever decide to sell your house, both spouses will need to sign off on the deal if their names are on the title.
Important Note: Washington is a community property state. This means that property acquired during the marriage is generally considered jointly owned by both spouses, regardless of whose name is on the title. However, adding your spouse to the title officially clarifies ownership and avoids any potential confusion down the line.
The How-To: Not Quite Brain Surgery (But Maybe Consult a Lawyer Anyway)
Alright, so you've decided to take the plunge (into the world of co-ownership, not the Puget Sound). Here's a roadmap:
The Deed Decision: You'll need a new deed with both your names on it. You can find blank deed forms online or at office supply stores. Pro Tip: This might seem like a DIY project, but considering the legal implications, consulting a real estate lawyer to ensure you're using the right type of deed and navigating everything correctly might be a wise investment.
Filling it Out: This might involve deciphering legalese that could rival a dragon's tax code. Grab your best reading glasses, some patience, and maybe a lawyer friend to explain the finer points.
Gettin' Notarized: Once you've filled out the deed and both you and your spouse have signed it, you'll need to get it notarized by a public notary. Think of them as the official witnesses to your deed-signing ceremony.
Off to the Races (Well, the Recorder's Office): Head to your county recorder's office and file the completed and notarized deed. There will likely be a filing fee, so be prepared to shell out a few bucks. Congratulations, you've officially added your spouse to the title!
Hold on There, Partner! A Few Things to Consider
Taxes, Taxes, Glorious Taxes: There might be some real estate excise tax involved, depending on the situation. Consult your lawyer or the county recorder's office to be sure.
Types of Deeds: There are different types of deeds (Joint Tenancy with Rights of Survivorship, Tenants in Common, etc.) Each has its own implications. A lawyer can help you choose the one that best suits your needs.
When to Get Fancy: If your situation is complex (pre-nups involved, multiple properties), then consulting a real estate lawyer is highly recommended.
FAQs
How to find a real estate lawyer in Washington State?
A good place to start is the Washington State Bar Association website (https://www.wsba.org/).
How much does it cost to add a spouse to the title?
The cost can vary depending on the complexity of the situation and lawyer fees.
How long does it take to add a spouse to the title?
The processing time can vary depending on the county recorder's office workload, but it's typically a few weeks.
Do I need my spouse's permission to add them to the title?
Yes, both spouses need to agree to be added to the title.
What if my spouse already contributes financially but isn't on the title?
While Washington is a community property state, having your spouse on the title can provide additional legal benefits. Consulting a lawyer is recommended to discuss your specific situation