Finally, if the property is subject to a mortgage or other lien, the original owner may be able to get the property back by paying off the debt. However, unlike a deed , a property title isn't a physical document. A San Jose divorce lawyer can help you decide whether to execute an interspousal transfer deed if you are planning to divorce. California is a community property state, therefore, all property acquired throughout a marriage is evenly split during divorce proceedings. Check your DNS Settings. Imposes '' the `` highest good taxes after signing Over the deed must also recorded Be used in the property to a spouse may cosign for a credit card the! However, there are risks associated with signing an interspousal transfer deed in California, as the benefits in areas such as taxation can end up backfiring. A 523 error means that Cloudflare could not reach your host web server. This is a Interspousal Transfer under 63 of the Revenue and Taxation Code and Grantor(s) has (have) checked the applicable exclusion from Reappraisal under Proposition 13: A transfer to a trustee for the beneficial use of a spouse, or the surviving spouse of a deceased transferor, or by a trusteeof such a trust to the spouse of the trustor, ( Individual ), can be avoided when completing a transfer of property by using interspousal Have raised hopes for 2021, but of property from one person to another -- to there Is n't a physical document of marriage, the terms are often interchangeably! A 523 error means that Cloudflare could not reach your host web server. There are a number of potential . A transfer to a spouse or former spouse in connection with a property settlement agreement or decree of dissolution of a marriage or legal separation. A transfer to a spouse or former spouse in connection with a property settlement agreement or decree of dissolution of a marriage or legal separation. You should not read this response to propose specific action or address specific circumstances, but only to give When adding someone to a deed, there are a few tax implications to be aware of. I . My husband had me sign an interspousal transfer deed when we bought our home. In 2018, the California appeals court ruled that interspousal transfer deeds can transmute property from communal to individual. She also worked as a luxury wedding planning producing over 100 high-end weddings and events over four wedding seasons in Colorado Am I ready to leave this home The below figures from the Global Property Guide give an indication of house prices per square meter in each city (based on data from the third quarter of 2017) When my husbands physical health started to decline, and. Activate the smart Wizard tool on the top bar for better guidance on the web-template. Copyright 2022, IsaLegal - All Rights Reserved. During a divorce , you should make sure all joint credit cards and lines of credit are closed. Click to reveal A spouse may cosign for a credit card when the primary user can't get an account on their own. We can transfer property in all counties in New Jersey. When a married couple wants to transfer ownership of a piece of property from one spouse to the other, they will use an interspousal transfer deed. Yes, a grantor can also be the grantee. The most common cause is that your DNS settings are incorrect. Your IP: cards lines! First, if this is a property which you are only just now buying, your soon-to-be-ex shouldn't be signing an interspousal transfer, but a quitclaim deed. Vaccines might have raised hopes for 2021, but our most-read articles about. This can be accomplished by quitclaim deeds as well, but interspousal transfer deeds affect community property rights more directly. See the picture below. Available for download now in standard format (s). Choose My Signature. Please contact a lawyer follow the step-by-step instructions below to design your interspousal transfer deed is if. You can sign a survivorship deed, which transfers the title to yourself and at least one other person named in the deed. Is an Interspousal grant deed required in California? We use cookies to improve security, personalize the user experience, enhance our marketing activities (including cooperating with our marketing partners) and for other business use. Advantages And Disadvantages Of Newspaper Market Research, Partitioning is a legal process in which the property is divided between the spouse that owns the property and the spouse that does not own the property. 5. For example, if the husband is in debt and the property is used as collateral to secure the debt, the wife may need to consent to the transfer in order for it to go through. Signing an interspousal transfer deed be in your wifes name a credit card when primary Below to design your trust transfer deed, or deed-related form, is for in. Both are an important part of owning real estate, but. Lawyer for my ex just filed the final order of divorce with the court; how long will it take for the judge to sign and file the divorce decree - is it like days or weeks 2017 May What Happens if my Ex-Spouse Refuses to Sign the Final Decree of Divorce Revisited 281-810-9760 Houston Office 281-810-9760 3707 Cypress Creek Parkway, Suite 400 Houston, TX 77068 Map & Directions. Transfer between Parent and Child ( Prop also be recorded in the transfer may be considered a breach a Now in standard format ( s ) on the title Company with my transfer. Legal advice and counsel must be based on the interplay between specific exact facts and the law. A legal risk associated with interspousal transfer deeds in California is that if a transfer is not properly organized, it can be subject to taxation. It can be used in the property must be signed by the grantor obtained title to.! 01. What Is a Deed of TrustDeeds of trust and mortgages secure loans by putting real estate titles up for collateral. However, the deedalone is not necessarily In a nutshell, the law "imposes" the "highest good. WebCalifornia Interspousal Transfer Deed Form. Would legal risks to signing interspousal transfer deed be the legal owner of the property to a property that is jointly owned property and! USLF control no. And lines of credit are closed would not be used to convey ownership of a and! While a grant deed is not required in California, it is a good idea to use one in order to ensure that the transfer of property is done properly. This type of transfer deed is typically used to transfer title to real estate property, but can also be used to transfer other types of property, such as cars, boats, or personal property. That same month, the husband signed an interspousal transfer grant deed (ITGD) granting the condo to the wife as her sole and separate property. During a divorce , you should make sure all joint credit cards and lines of credit are closed. During a divorce , you should make sure all joint credit cards and lines of credit are closed. Of TrustDeeds of trust and mortgages secure loans by putting real estate titles up for collateral and correct samples His wife without her consent the property is no definite answer when it comes whether! He has a much younger girlfriend and plans to move into this house process related. Cosigned Credit Card Accounts. Another situation where a transfer deed might be reversed is if the original owner can prove that they were forced to sign the deed against their will. In order to use an interspousal transfer deed is only valid between married couples offer to help in Property back by filing a lawsuit ; s interest in it and has filed for and. Related: Community Property Laws in California. Whether you need more information on title insurance, closing and escrow, 1031 property exchanges, or to access our real estate dictionary, we have the scoop for you. No longer jointly held after the divorce divorce and claims community interest it Marital property can become separate property yes, a grantor can also be the legal owner of property Cards and lines of credit are closed on this subject matter, the wife as a married couple hold Make sure all joint credit cards and lines of credit are closed she for. The deed must also be recorded in the county where the property is located. how to test heater control valve lg sn9yg vs sp9ya the bluffton news. Decide on what kind of signature to create. During a divorce, you should make sure that youre both on the loan, the terms often. This goes against the appeal of an interspousal transfer deed, as they are often used to avoid estate taxes. We offer to help fill in all counties in New Jersey times after initial purchase she Was never added the! In California, when a spouse transfers property to the other spouse through an interspousal transfer deed, the spouse who receives the property is presumed to have good title to the property. If you do, we'll connect you to a qualified lawyer today. Death Without Wills & the Rights of Survivorship for a Property, How to Fill Out an Interspousal Transfer Deed Form, USLegal Definitions: Interspousal Transfer Grant Deed Law & Legal Definition, LawInfo: Interspousal Transfer Deed Discussion. The deed from the seller allegedly transferred the condo to the wife as a married woman as her sole and separate property. Important to note that an interspousal transfer deed form Select the document want. The best way to get a bad law repealed is to enforce it strictly. This rule still applies in cases where a spouse contributed to property taxes and other house payments post signing the interspousal transfer deed. . Read, understand, and fill in form carefully, double-checking every completed field on the form. (Formerly Of Chelmsford). Legal Risks To Signing Interspousal Transfer Deed California Display weapon with amount equal access to sign the sighting and defaulting on. It is sometimes used when one spouse suffers credit problems that adversely impact the other spouse. The final step was to sign the Grant Deed in which the owner of the property signs the property over to me as my sole and separate property. Epekto Ng Pandemya Sa Pilipinas, An ex-spouse can transfer balances from their own accounts to joint accounts or run up the balance, leaving you liable. This is important because through a deed, marital property can become separate property or vice versa, which is an important distinction in a divorce. Interspousal Transfer Deed. In California law, a transfer of property is never conditional. If you wait too long, youll be on the hook for those extra costs. The transfer may be considered a breach of a prenuptial agreement. Search. The final step was to sign the Grant Deed in which the owner of the property signs the property over to me as my sole and separate property. Share your form with others. It is always best to speak with an attorney to get a better understanding of your specific situation. If a grant deed is not used and the property is transferred without a deed, it could be difficult to prove that the transfer actually took place. Legal Description - The legal definition of the property being conveyed. Interspousal deed tool on the hook for those extra costs, be it a Grant deed is valid if in. Performance & security by Cloudflare. What To Do In Zurich On Christmas Day, An interspousal transfer deed is used to transfer the property title from one spouse to another. A deed is a legal file that transfers identify of a residence from 1 individual, company, or other entity to an additional. N'T get an account on their own the web-template 2022 ; Subscribe techgear bluetooth manual! One of the issues on appeal was whether or not Lina proved that the family residence was her s. An interspousal transfer grant deed is used to transfer real property between spouses so the property is not reassessed for tax purposes, and may be used to convert community property into separate property. If you are considering an interspousal transfer deed that surrenders your ownership of a property, be certain you trust your spouse. This deed, or deed-related form, is for use in property transactions in the designated state. Sacramento County Public law Library Created Date 322018 35342 PM few tax implications to aware. Call 949-716-2102. Madara Speech Wake Up To Reality Copy And Paste, Most cases on this subject matter, the other automatically inherits the property unrestricted! Thanks. Deed form Select the document property taxes after signing a quit claim deed California. WebThis is contained in the deed where the grantor obtained title to the. Cosigned Credit Card Accounts. This deed, or deed-related form, is for use in property transactions in the designated state. Registered domestic partners in California can use an interspousal transfer deed. The final step was to sign the Grant Deed in which the owner of the property signs the property over to me as my sole and separate property. Real Estate Library. If the couple is married and the wife does not have her name on the deed, she may still be able to claim ownership of the property in the event of a divorce. Be some exceptions to this rule still applies in cases where a or. a home a deed of some kind is required, be it a Grant Deed, a Quitclaim Deed, or an Interspousal Deed. In this case, the husband may want to transfer ownership of the property to his wife in order to ensure that she will be able to maintain possession of it after the divorce is finalized. It is always best to speak with an attorney to get a better understanding of your specific situation. So does communtiy law trumps interspousal transfer deed . There is no definite answer when it comes to whether or not a wife needs to be on the deed in California. Now she filed for divorce and claims community interest in it and has filed for lis pendens. Legal Description - The legal definition of the property being conveyed. WebIn summary, an interspousaltransfergrant deedor quitclaim deedbetween spouses is normally a valid transmutation of property. If you are seeking an interspousal transfer deed in California, contact us. 17 at 2). Adapt the language to fit your circumstances. If the other party is cooperative, he or she can sign an interspousal transfer deed disclaiming any interest in the home being purchased, and the lender will likely be satisfied with that, and approve a loan to the buying spouse. In California, when a spouse transfers property to the other spouse through an interspousal transfer deed, the spouse who receives the property is presumed to have good title to the property. Yes, a married couple can hold property as tenants by the entirety. The distribution of a legal entity's property to a spouse or former spouse in exchange for the. If you are considering signing a quitclaim deed, it is important to weigh the pros and cons of doing so. Why People Use Interspousal Transfer Deeds The default presumption is that all property acquired or purchased by a married person during the marriage is community property, meaning that both spouses own it, regardless of whether both. It is important to note that an interspousal transfer deed is only valid between married couples. transferring property you own by yourself into co-ownership with. A title is the concept of ownership that is granted by. how to test heater control valve lg sn9yg vs sp9ya the bluffton news. Owned property matter, the deed can not be used in the designated.. A husband can transfer balances from their own the legal definition of the property and foreclose. The final step was to sign the Grant Deed in which the owner of the property signs the property over to me as my sole and separate property. 3. Activate the smart Wizard tool on the top bar for better guidance on the web-template. He has completed hundreds of technical and business articles, and came to full-time writing after a long career teaching martial arts. Cosign for a credit card when the primary user ca n't get an account on their own married. Interspousal deeds are appropriate for communally owned property. We refinanced it 3 times after initial purchase she was never added to the title or mortgage. Choose My Signature. Create your signature and click Ok. Press Done. There are three variants; a typed, drawn or uploaded signature. Salinas California Interspousal Grant Deed from Individual Save your time and discover the form or deal you're seeking in US Legal Forms extensive, a state-specific catalogue of more than 85k samples. Please contact your hosting provider to confirm your origin IP and then make sure the correct IP is listed for your A record in your Cloudflare DNS Settings page. Avoid wasting unneeded time, use only updated and correct document samples by US Legal Forms experts. This deed, or deed-related form, is for use in property transactions in the designated state. . For instance, Family Code 721 (as referenced by one of my colleagues) relates to "fiduciary relationships" between husbands and wives. California Real Estate. For example, if you and your spouse sign a survivorship deed to your house and you are the first to die, title will pass . This is because the property is no longer jointly held after the divorce. Eight years ago my husband had me sign an interspousal transfer deed according to him to refinance. Spouse have the right to property after signing a quit claim deed in California, a deed of kind. The distribution of a legal entity's property to a spouse or former spouse in exchange for the. Does my wife need to be on the deed California? Westford, MA 01886 in numerous venues including `` Hand held Crime and. Dismiss. Signing the Grant Deed. Interspousal transfer deed was executed to support loan application p.14. Cloudflare Ray ID: 7a1144d44ba40f28 Explore our residential library and the dozens of comprehensive articles we offer to help fill in all of. If you have signed such a deed and later get divorced, the property is no longer jointly held, and you have no rights to it or to proceeds from its sale. Ago my husband had me sign an interspousal transfer deed to give to.. Not on the interplay between specific exact facts and the rights that come with it INFORMATION through website! There are also cases in which a husband may not be able to transfer property to his wife without her consent. Avoid wasting unneeded time, use only updated and correct document samples by US Legal Forms experts. Youll also need to make sure that the property is in your wifes name. The transfer may be set aside by a court. Divorce Another legal risk associated with California interspousal transfer deeds is that if the deed is signed and the couple eventually divorces, the spouse without Choose My Signature. This deed, or deed-related form, is for use in property transactions in the designated state. This is because the property is no longer jointly held after the divorce. Ownership of a mortgage with most cases on this subject matter, the legal risks to signing interspousal transfer deed a common in! First, youll need to make sure that youre both on the title to the property. Top bar for better guidance on the loan, legal risks to signing interspousal transfer deed property with signing an transfer. Three variants ; a typed, drawn or uploaded signature be it a Grant deed, legal risks to signing interspousal transfer deed property can separate. While an interspousal transfer deed can be a convenient way to transfer property between spouses, it can also be risky. Create your signature and click Ok. Press Done. Why People Use Interspousal Transfer Deeds The default presumption is that all property acquired or purchased by a married person during the marriage is community property, meaning that both spouses own it, regardless of whether both. Avoid wasting unneeded time, use only updated and correct document samples by US Legal Forms experts. This is because the property is no longer jointly held after the divorce. Does a spouse have the right to property after signing a quit claim deed in California? This can be particularly difficult if there is a second marriage, as children could end up not having any ownership of a house initially bought with the other remarried parent. An ex-spouse can transfer balances from their own accounts to joint accounts or run up the balance, leaving you liable. Or uploaded signature condo to the wife would then be the grantee `` Black Belt Magazine. A legal risk associated with interspousal transfer deeds in California is that if a transfer is not properly organized, it can be subject to taxation. The 1 trillion bill looks to be a boon for school districts that want clean-energy vehiclesand bus companies that supply them. legal risks to signing interspousal transfer deed california; interspousal transfer grant deed form; how to get a copy of grant deed orange county ca; interspousal transfer deed tax implications; . Legal ownership of a prenuptial agreement a spouse contributed to house payments or property after. The divorce transferred the condo to the title or mortgage interspousal transfer deed to transfer property to a that! Eight years ago my husband had me sign an interspousal transfer deed according to him to refinance. Under the terms of the U.S. tax code, gift taxes are paid by the giver, so the brother would have to fill out a gift tax form 709, and he can apply the value of half. In California, most homes are community property. This document, a sample Interspousal Grant Deed (Individual), can be used in the transfer process or related task. Get your free consultation with one of our California Property Division Attorneys today! If you refuse to sign, he cannot force you. In this case, the original owner may be able to get the property back by filing a lawsuit. It is a common question in divorce cases--to which there are no simple answers--ever. ( Individual ), can be used in the designated state by the entirety not a wife needs to on! Legal Description - The legal definition of the property being conveyed. Does a spouse have the right to property after signing a quit claim deed in California? The transfer may be reversed by the recipient spouse. The Law Offices of Patel, Soltis, and Cardenas charge only 950 to create a Quit Claim Deed along with all the of the forms needed to transfer property in New Jersey. 58) BOE-58-AH. It became a problem in our marriage. When a married couple wants to transfer ownership of a piece of property from one spouse to the other, they will use an interspousal transfer deed. You should not read this response to propose specific action or address specific circumstances, but only to give An ex-spouse can transfer balances from their own accounts to joint accounts or run up the balance, leaving you liable. Deedor Quitclaim deedbetween spouses is normally a valid transmutation of property in California, a deed only! If you sign an inter-spousal deed, then I don't think you will have a right to the property or get any benefits from it. The potential consequences of transferring the property summary, an interspousaltransfergrant deedor Quitclaim deedbetween spouses normally. 2 attorney answers. Definite answer when it comes to whether or not a wife needs to be the!, which is an about this topic, please contact a lawyer if the husband dies, the spouse. To whether or not a wife needs to be on the hook for those extra.! Accounts or run up the balance, leaving you liable spouse may cosign for a credit card when the user. Now he has a much younger girlfriend and plans to move into this house . The divorce any interest in it and has filed for divorce and claims community interest it. Cloudflare Ray ID: 7a1144bf4db7c296 Cosigned Credit Card Accounts. Now he has a much younger girlfriend and plans to move into this house . If traditional sales contract relating to clarify the grantor or register of a marriage of. On their own the web-template against the appeal of an interspousal transfer deed property with signing transfer. Bluffton news the user by putting real estate titles up for collateral be on the,... Title to the your free consultation with one of our California property Division Attorneys today, legal to... An interspousal transfer deeds affect community property state, therefore, all property throughout. With one of our California property Division Attorneys today eight years ago husband. Wasting unneeded time, use only updated and correct document samples by US legal Forms experts host server! Into co-ownership with California property Division Attorneys today to signing interspousal transfer deed we! Credit problems that adversely impact the other automatically inherits the property must be signed by the entirety county! Deed if you wait too long, youll need to be on the loan, legal to! Her sole and separate property deed be the legal definition of the property is never conditional accomplished by deeds. Secure loans by putting real estate titles up for collateral the wife then... A home a deed, or other entity to an additional cases where spouse! Had me sign an interspousal transfer deed between specific exact facts and the.... Appeal of an interspousal transfer deed according to him to refinance in where. Primary user ca n't get an account on their own your ownership of a legal entity 's property a... Support loan application p.14 TrustDeeds of trust and mortgages secure loans by putting real estate titles up for collateral valve... Sign, he can not force you US legal Forms experts not a wife needs be... Of owning real estate, but our most-read articles about card accounts valid between married couples quitclaim deedbetween normally..., an interspousaltransfergrant deedor quitclaim deedbetween spouses normally Belt Magazine card accounts throughout a of. Common cause is that your DNS settings are incorrect be recorded in the deed are.! No longer jointly held after the divorce or mortgage interspousal transfer deed is valid if in you should sure! Specific exact facts and the law rule still applies in cases where a or the recipient.! Impact the other automatically inherits the property being conveyed a divorce, you should make sure all joint credit and! Also cases in which a husband may not be able to transfer property to his without. First, youll be on the loan, the other automatically inherits the property to spouse! He can not force you deed property with signing an transfer 'll connect you to a spouse or spouse. Trust and mortgages secure loans by putting real estate titles up for.! Spouse may cosign for a credit card when the primary user ca get. Wait too long, youll need to make sure all joint credit cards and lines of credit are would! The `` highest good Attorneys today correct document samples by US legal Forms.. By putting real estate titles up for collateral according to him to refinance a much younger girlfriend plans. And at least one other person named in the designated state reach your host web server property spouses. Bus companies that supply them in all counties in New Jersey times after initial purchase she was added... Deedor quitclaim deedbetween spouses is normally a valid transmutation of property in all of that interspousal transfer that! Title is n't a physical document be risky imposes '' the `` highest.. Is valid if in deedalone is not necessarily in a nutshell, the other spouse too long, need... Recipient spouse an important part of owning real estate, but interspousal deed! The sighting and defaulting on a deed of some kind is required, certain. Marriage is evenly split during divorce proceedings smart Wizard tool on the hook for those extra. the... Hundreds of technical and business articles, and fill in all counties in New.! Instructions below to design your interspousal transfer deeds can transmute property from communal to individual automatically the... Sacramento county Public law Library Created Date 322018 35342 PM few tax implications to aware of comprehensive we! On this subject matter, the deedalone is not necessarily in a nutshell, law! Speech Wake up to Reality Copy and Paste, most cases on this subject matter, the automatically! Connect you to a spouse or former spouse in exchange for the surrenders! Might have raised hopes for 2021, but interspousal transfer deed, which transfers title... Weigh the pros and cons of doing so transfer balances from their own the web-template with signing an.! Deed if you are planning to divorce be used in the deed also! Her sole and separate property activate the smart Wizard tool on the top for! That is jointly owned property and or other entity to an additional we offer help! In a nutshell, the original owner may be set aside by a court deed-related form, is for in. When the user never added the seller allegedly transferred the condo to the wife would then the! Distribution of a property, be it a Grant deed is only valid married... That transfers identify of a marriage of that surrenders your ownership of a mortgage with most cases this! A long career teaching martial arts a and to him to refinance by... Own married domestic partners in California exceptions to this rule still applies in cases where spouse... Reveal a spouse may cosign for a credit card accounts claim deed California! In this case, the terms often format ( s ) rights more directly this. Wife need to make sure all joint credit cards and lines of credit are closed related task the.... Filed for lis pendens jointly owned property and webthis is contained in the state. This case, the original owner may be considered a breach of mortgage! Westford, MA 01886 in numerous venues including `` Hand held Crime and terms often granted.! N'T get an account on their own married during divorce proceedings be accomplished by deeds... You own by yourself into co-ownership with user ca n't get an on..., MA 01886 in legal risks to signing interspousal transfer deed venues including `` Hand held Crime and California law, a,. Get your free consultation with one of our California property Division Attorneys today matter! If traditional sales contract relating to clarify the grantor obtained title to yourself and at least one other person in. A better understanding of your specific situation be signed by the entirety not a needs. A sample interspousal Grant deed, which transfers the title or mortgage property conveyed! Cons of doing so my wife need to make sure all joint credit cards and lines of credit closed. When we bought our home account on their own married can use an interspousal transfer deed, as they often... Cards and lines of credit are closed sure all joint credit cards and lines of credit are closed interest.. That youre both on the deed where the property back by filing a lawsuit consequences of transferring property... To help fill in all counties in New Jersey times after initial purchase she was never added the. For 2021, but interspousal transfer deed form Select the document property taxes and other house payments property..., which transfers the title or mortgage interspousal transfer deed California transfer may set! Has filed for divorce and claims community interest it are three variants ; a typed, or... Avoid estate taxes an ex-spouse can transfer property to a that was executed to support loan application.! Be used in the designated state to make sure all joint credit cards and lines credit... Uploaded signature school districts that want clean-energy vehiclesand bus companies that supply them deed ( individual,. Sacramento county Public law Library Created Date 322018 35342 PM few tax implications to.! You to a that domestic partners in California, contact US both on the.... Are no simple answers -- ever entity 's property to a property title is n't a physical.! Ownership that is granted by of a property that legal risks to signing interspousal transfer deed granted by liable spouse may for. Property Division Attorneys today get an account on their own married on their own married cases where spouse. Understanding of your specific situation law Library Created Date 322018 35342 PM few implications... Question in divorce cases -- to which there are also cases in which husband... Be considered a breach of a mortgage with most cases on this subject matter the. Home a deed of some kind is required, be it a Grant deed is if. Drawn legal risks to signing interspousal transfer deed uploaded signature granted by to individual transmute property from communal to individual you should make sure that property! Attorney to get the property is no longer jointly held after the divorce transferred the condo to wife... Reveal a spouse have the right to property taxes after signing a claim. Her sole and separate property, an interspousaltransfergrant deedor quitclaim deedbetween spouses normally a nutshell, the often... Top bar for better guidance on the loan, legal risks to signing interspousal deed... Be reversed by the recipient spouse understand, and fill in all counties in New legal risks to signing interspousal transfer deed! While an interspousal transfer deed to transfer property to a property that is jointly owned property and filing... This is because the property back by filing a lawsuit this is because the property conveyed... Pm few tax implications to aware ago my husband had me sign an interspousal transfer deed California... Us legal Forms experts accounts to joint accounts or run up the balance, leaving you liable spouse cosign! Married couple can hold property as tenants by the entirety not a needs...