CA is a community property state, in fact, I think it is mandatory by statute. In my state, also a community property area, you have a vested interest if you are on the deed or not. But it sounds like the title company needs to know that you are married. Here you would need to sign some stuff at closing, the deed and the mortgage but not the note.
As for quit claim deeds, do you guys not have due on sale clauses in CA? If so, any change in title could trigger the loan being called due. Just because they havenâ€™t done it in the past doesnâ€™t mean they wonâ€™t do it tomorrow. I would be careful messing with a title after the mortgage is recorded.
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Financing Kentucky One Home at a Time