Does a non-titled spouse need to be at closing?

November 29th, 2013

We frequently field questions on whether a non-titled spouse needs to be at closing to sign documents.

New Hampshire is a homestead state, therefore:

If a married person is purchasing a primary residence, the non-titled spouse MAY OR MAY NOT need to be at closing. A purchase money mortgage may be used. Some lenders MAY still require the spouse to sign.

If a married person is refinancing a primary residence, the non-titled spouse must be at closing to sign various loan documents.

If a married person is selling a primary residence, the non-titled spouse must be at closing to sign the deed to release homestead rights.

Maine is NOT a homestead state therefore a non-titled, non-borrowing spouse does NOT need to be at closing to sign documents.

Questions or comments?   Contact Jaime Lynch at jlynch@signaturetitle.com