Congratulations on the refinance.
If your lender is not escrowing for taxes, you can set up your own savings account and set aside money as the year goes along. When you get your tax bill you will be expected to pay in one lump sum.
As to adding your partner to the deed, a title company can do this for you, however, you may want to consult an attorney about how to take title. There are several choices, and the choice you make will determine what happens to the ownership of the property should one of you die, or if your relationship changes.
You have asked some great questions so I will try to answer:
1. You can't make arrangements with municipalities....you just pay in one lump when the tax bill is due. You will get a discount if you pay it early (when it first arrives). All of this will be explained on the tax bill. You should probably set up a special savings account and put 1/12 of the taxes and insurance in there each month. Then when the bills come in you will have the money. This is one reason why some people like to have things escrowed but I am sure that you will be fine.
2. If your partner is on the mortgage, the deed should be updated. Contact the title company who did your closing and ask them to help you. You will have to show them the old deed and then they will prepare a new one. Might cost $75-100....if you have difficulty with this, just let me know.
Good luck with everything.
Carol Cei, Realtor, ePRO
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