Legal Real Estate question!?

Question

DUMB MOVE! I put boyfds name on the title of my home. I thought that we had a future. However, the loan is in MY NAME, and his name is NOT located on any of this particular property information. Now he says, he is leaving his name on it because I owe him all this money, including the gifts he gave me.. What recourse do I have, if any? My mortgage company gave him a hard time, EVERYTIME I gave him the money to make the payment. I also make ALL the payments. And he also NEVER resided in MY home. I don't know what to do. Any suggestions? I live in Missouri, if that matters

Answer 1

You are right, you made a dumb move. It is going to cost you a lot of money.

You will probably have to pay him some money to get him to take his name off the title or let it get foreclosed and ruin your credit and his.

Since you are not married the laws that regulate this are probably not marriage laws. So unless you had some written legal agreements signed ahead of time then you are stuck.

Answer 2

There is no need to reiterate you made a mistake. What you're seeking is advice and a remedy....Not a lecture!

Since legally you are sort of strapped if he is being stubborn and not willingly releasing his interest in the home, maybe you can give him other incentive to "motivate him."

Maybe you could go to a local news station and let them know your entire story......It could be appealing (for the station) to show a TV news story that can perform 3 tasks:

1. Embarrass your Ex to the point that he'll be running to sign a quitclaim deed and release his interest in the home.

2. Serve as a warning to consumers to be careful mixing romance and business.

3. It would be a fascinating, emotional, and informative story.

I hope that this might help, but if you don't try it, maybe there's another way to "think outside the box" and achieve your goal. Good luck....You sound like a truly sweet person.

Answer 3

Can't disagree with you that you made a REALLY stupid move. You accepted total financial liability for payment of the mortgage while simultaneously adding him to the title/deed, which, in the absence of any other legal documentation, gives him half interest in the property and its value.

It does not matter if you live in Missouri or Bumbturd, AnyState. You have a real ugly mess on your hands. Sad to say you put your now ex-boyfriend in the driver's seat, and it looks like he's REALLY going to enjoy the ride.

Answer 4

Oops! Sorry, but you blew it! You allowed his name to make it to the title without having it on the mortgage. Unless you can convince him to abandon his share (probably with a cash payment equal to half of the equity) then you're stuck with a joint owner. The really nasty downside to it all is that since he has legal title to the place, he can move in whenever he chooses to and REALLY make life miserable for you.

Unless you can prove that you gave him his share under duress, i.e. a gun to your head, then you're pretty much stuck with the status quo as long as he decides to do nothing.

Your only hope is to sue for partion. If that succeeds it will force a sale of the property and division of any equity remaining after the mortgage is paid. Consult with an attorney, of course, but that's the only option that this layman sees.