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Law Educator, Esq.
Law Educator, Esq., Lawyer
Category: Real Estate Law
Satisfied Customers: 118788
Experience:  Licensed attorney practicing landlord-tenant, land use and other real estate law and litigation.
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We are refinancing our VA loan to a lower interest rate. Because

Customer Question

We are refinancing our VA loan to a lower interest rate. Because we are older, we have decided to put our 30 yr old son on the title so if something happens to us, he gets to keep the house without inheriting. What do we need to do? We are in Vancouver, WA. Thank you. Rhoda
Submitted: 1 year ago.
Category: Real Estate Law
Expert:  Law Educator, Esq. replied 1 year ago.
Thank you for your question. I look forward to working with you to provide you the information you are seeking for educational purposes only.
Your son would end up having to be a co-borrower on the refinancing. Some VA lenders will not accept a non-military member who is not spouse of the borrower to be on the loan, but other lenders will accept them if their credit is good. If your lender will not accept the refinance with him on the deed, then you would have to do a quit claim to remove him and file that quit claim. Then once the refinance is approved you would have to file a new quit claim deed to add him back to the deed.