I got a copy of both deeds, when I purchased the house as a single person in 2002, which was a rental house of my parents. I bought the house for cash 48K. It was a "General WArranty
Deed" by a title company at the closing. It states Made this March 4, 2002 AD by (my dad) and wife, (my mom) called the grantor, to (me), whose address is..., hereinafer called the grantee.However, in 2005 I married, but my husband was never put on the deed. And, in 2006 I applied for a home remodel loan with a local bank and the bank said I needed a co-signer so this is where my dad came in at. And, the bank said I had to change the deed to include my dad's name since he was going to be a co-signer, so I changed the deed on my own using wwwlawdepot.com. At the time I was only doing what the bank instructed in order to get the loan. And, that deed is called a Warranty Deed is dated Sept. 19, 2006 and says: As a Necessary Incident to the fulfillment of conditions contained in a title insurance commitment issued by it. Grantee: my name and my dad's name
The Warranty Deed Made this 19th day of September 2006, by (my name) of (my address) (the "Grantor"), to (my name) of (my address) and (my dad's name) of (his address of his and my mom's home where they claim homestead), (collectively the "Grantee"), in the state of Florida.
The property is homestead to the Grantor.
Together with all tenements, hereditaments and appurtenacnces thereto belonging or in anywise appertaining.
To have and to hold, the same simple forever.In witness whereof, the Grantor has executed this deed under seal on the date aforesaid. (my signature).So, what does this mean? Do, I need to get bank records from the bank with them stating they told me I had to do this JUST to have my dad co-sign? And, also get my bank records showing that I spent the monies on remodel AND have been the ONLY one paying the loan back, which is down to 30K now.