How to Change Name on Mortgage After Marriage

Changing a legal name after marriage impacts various personal records, including mortgage documents. This article provides guidance on updating your name on mortgage documents, outlining the steps involved and lender requirements.

Should You Change Your Name on Your Mortgage?

A name change following marriage does not legally mandate an immediate update to the mortgage itself. The underlying loan obligation remains tied to the individuals who signed the promissory note, not solely the name printed on the document. The mortgage functions as a lien on the property, while the promissory note represents the binding financial agreement.

Homeowners often opt to update their name on mortgage documents for several practical reasons. Aligning all legal documents simplifies future transactions, such as refinancing the loan or selling the property. Updating lender records also helps avoid potential confusion, especially when presenting identification that no longer matches the original loan documents.

It is important to distinguish between the mortgage and the property deed. The deed serves as proof of property ownership, and updating the name on the deed is often necessary to accurately reflect current ownership. While the mortgage lender handles updates to the loan records, changes to the deed typically involve a separate process with the county recorder’s office.

Gathering Necessary Information and Documents

Gathering specific personal information and legal documents before contacting your mortgage lender streamlines the name change process. Key personal details include your full legal name (both old and new), Social Security Number, date of birth, current address, and up-to-date contact information.

A certified copy of your marriage certificate is paramount proof of your legal name change due to marriage. Obtain a certified copy from the vital records office in the state or county where the marriage occurred.

A new government-issued photo identification, such as a driver’s license or passport, reflecting your new legal name will be necessary. Update your Social Security card first, as this typically precedes other identification changes and is often required by the Department of Motor Vehicles (DMV). The Social Security Administration requires a completed Form SS-5 and proof of name change, identity, and age. Updating your driver’s license generally involves visiting the DMV with your updated Social Security card, current ID, and marriage certificate.

While the mortgage lender does not change the property deed, locating your current property deed or a copy is beneficial. The lender might request information from it, and you will need it for the separate process of updating the deed to reflect your new name. Organizing these documents beforehand ensures a smoother interaction with your lender.

Contacting Your Mortgage Lender

Once documents are prepared, contact your mortgage lender. Identify the correct department, such as “Loan Servicing” or “Customer Service,” typically found on your mortgage statement or the lender’s website. This ensures your request is directed to the appropriate team.

Lenders often provide several contact methods, such as phone, online portals, or mail. Calling the customer service line can offer immediate guidance and answers to specific questions about their name change procedure. Utilizing an online portal might allow for secure document uploads, while formal submissions are often handled via certified mail.

When you make initial contact, clearly state your intention to update your name due to marriage and provide your mortgage loan number. You will also need to confirm your identity, likely by providing personal information such as your Social Security Number and date of birth. Inquire about their specific process for name changes, including any required forms, preferred methods for document submission, and an estimated timeline for completion.

Navigating the Lender’s Name Change Process

After initial contact, your mortgage lender will likely provide specific forms for the name change, such as a name change request form or an affidavit. Carefully complete these forms using the information and documents you gathered previously. Accuracy in filling out these forms is important to avoid delays in processing.

Once the forms are completed, submit them along with your supporting documents, including your certified marriage certificate and new government-issued ID. It is advisable to use secure submission methods, such as the lender’s secure online portal or certified mail with tracking, to ensure safe delivery and provide proof of submission. Maintaining copies of everything you send is also a good practice.

The lender may issue new statements or correspondence reflecting your updated name once the change is processed. While less common for a simple name change, they might also provide a modified mortgage document. Carefully review any new documents received for accuracy.

Remember the distinction between updating your mortgage records and changing your property deed. While the lender updates the mortgage, updating the deed is a separate process involving preparing a new deed, having it notarized, and recording it with the county recorder’s office. This often requires consulting a real estate attorney or title company. Request written confirmation from your lender once your name change has been fully processed on their records.