In 2007, my husband and I purchased a home. Due to student loans, the mortgage was obtained only by my husband. At closing both of us were present as I was to sign the deed. My husband passed away three years ago and without a will. His death was ruled a suicide and no insurance money was paid. I am still in the home and would like to keep it. Since my name was not on the mortgage, the bank will not communicate with me.
I went to the records department at the courthouse and have discovered that the title company wrongly put my name on the deed of trust and only put my husbands name on the deed. Is the title company liable? How do I correct this?
Hi, L: I am not an attorney and cannot give you legal advice. You may wish to consult with an attorney to be sure you are protecting your interests.
The suggestion I have is to read the deed of trust carefully and look for the language that says "heirs and assigns" because this is how you will tie your authority to the document and thus to your lender. If you did not raise an estate for your husband, talk with the Register of Wills at the courthouse and explain that he died without a will and ask them how you can open an estate to deal with his assets.
My father died without a will and what I had to do was to take a death certificate to the Register of Wills and take an oath to administer the estate. Once an oath was taken, I received what is called a short certificate. The short certificate tells whomever needs to know that I am the official representative of the deceased. You should have a similar procedure in your state which I do hope helps.
As for title insurance, the policy is unlikely to offer you assistance for this situation because your husband was the insured, not you, if you weren't on the deed. You can always file a claim to see what they say. The way something like this is viewed is that you have an obligation to read the documents you sign to protect your interest. If you wanted to be on the deed, you should have checked that at closing. If you did not have an attorney representing you at that time, then you were acting in your own interest without representation.
If you have evidence that you gave written instructions to the title agent that you were to be included on the deed or even if your name was on the sales agreement and you did not agree to remove your name as buyer, then you should consult an attorney and discuss suing the title agent for negligence. This might also be a basis for a title insurance claim. An attorney can help you to weigh options.
Good luck and I am sorry for your loss. Hope you can get the lender to work with you. If all else fails, you can contact the CFPB [Consumer Finance Protection Bureau] to see if they can intervene with the lender to work things out for you.