Do I need to be included in the refinancing loan if our taxes are filled jointly but the house was purchased by my husband?

It is possible for you to be added to the financing to establish credit depending on your situation. Call me I am sure I can help. David Webber 214-771-8696

Generally speaking, in most states, if married, the rule is "one to buy", "two to sell", and "two to refinance". That confuses people on refinances because while you need both married people to sign the mortgage, you can still easily have just one person "on the loan." So in your case, you do NOT need to be on the loan, but you do sign the mortgage. In MN and Wisconsin, visit www.JoeMetzler.com

In TX we are a community property state. If you refinance you will be added to the deed as stated above and wiil have to sign the truth in lending and recission docs as well as the deed. The deed will place you in ownership of the home. How your taxes are filed doesn't matter. Last time I checked only 8 states have community property laws. If you need any further assistance let me know. It would be my pleasure to be of service. Brad Cahoone - 972-724-3222 - bcahoone@globalhomefinance.com

As stated above.. one to buy, two to sell... if he owned the property as a single man, he can refinance under his own name only... WillimaAcres.com

The fact that you are on the taxes does not mean you must be on the new loan. The choice belongs to you and your husband. If however, he no longer qualifies on his own income, and your income is needed to qualify, then you may need to be added to the new loan. www.NMLSConsumerAccess.org ~ Bert Carpenter, The LoansA2z team of NOVA Home Loans ~ NMLS 40586 ~ www.LoansA2z.com