Adding a spouse to mortgage
Our townhouse is in my wife's name only on title and mortgage. I would like to add my name, and eventually refinance the home in my name using my credit and income.
Questions are:
A) How do I add myself and record it with the county? Grant Deed?
B) How long does it need to season on title to refi into my name? 12 months?
Reasons are:
Wife is not working right now, and has blemishes on her CR. The interest rate is set to adjust up from 2 percent.
Thanks in advance.