Adding someone to a deed
The current owner signs a new deed conveying the property to themselves and the new person, usually as joint tenants with right of survivorship or tenants in common. Adding someone can be a gift for tax purposes and exposes the property to the new owner's debts.
Removing someone from a deed
The person leaving signs a deed, often a quitclaim, transferring their interest to the remaining owner. They can't be removed without their signature or a court order, for example in a divorce decree.
The mortgage doesn't change with the deed
A deed controls ownership; the loan controls who owes money. Removing someone from the deed doesn't remove them from the mortgage. That takes the lender's approval or a refinance.
Common questions
What are the disadvantages of adding someone to a deed?
You give up sole control, may trigger gift tax reporting, and the property can be reached by the new owner's creditors.
Can I add my adult child to my house deed?
Yes, but a transfer-on-death deed or trust often achieves the goal without giving away ownership now. Talk to an attorney.
How hard is it to remove someone from a deed?
Easy if they agree and sign. Hard without their cooperation, which usually means a court.