Posted by SReis on 1/22/10 1:55pm
Msg #319049

FL - Spousal State Question

In FL does non-borrower spouse have to sign if the property is a 2nd home? or is it only for the primary residence that spousal sigs are req?

Reply by Les_CO on 1/22/10 2:01pm
Msg #319051

I don’t think FL is a spousal state. Maybe homestead? It really depends on the lender. Ask PAW, he knows everything. (not a joke) In some non-spousal states having the spouse sign the mortgage/DOT puts a cloud on the title. Ask Title.

Reply by SReis on 1/22/10 2:07pm
Msg #319055

Well I ask because I had a signing this morning in which I was told wife needed to sign. We actually had to move signing time to 7am this morning in order to accomodate wife's schedule. Now I just receive a call back saying since its a 2nd home wife did not need to sign. I have no idea because it is FL prop & only did what they originally had asked. They just want husband to re-sign the docs she had signed so not a huge deal but I was just curious.

Reply by jba/fl on 1/22/10 2:09pm
Msg #319056

This is charge for second trip - they gave you the info incorrectly, they pay.

Don't you just hate it when they do this to you!

Reply by PAW on 1/22/10 2:14pm
Msg #319057

Florida is not a community property state, but is a homestead state. However, it is common practice for a spouse to "join" on a mortgage and/or title for non-homestead property. That is, the deed is written similar to "John Doe, a married man, joined by his wife, Jane Doe." Of course, it is not necessary to do that. A second home is exempt from homestead, so a person may own it singularly. In those cases, the spouse is not required to join on the mortgage.

It's title's call, their mistake if they told you incorrect information, and therefore should pony up for the second trip, if necessary.

Reply by SReis on 1/22/10 9:23pm
Msg #319184

Thanks JBA & PAW

They actually check w/lender & lender ok'd it. Thanks for all of your help!!

Reply by jba/fl on 1/22/10 2:05pm
Msg #319054

no, not on 2nd home.
yes, primary residence