Home Equity Loan

Home equity credit problem. Title Mistake. How do I fix it?

In the final process of equity loan, my lender tells me tital search shows my brothers listed as owners even though they have never had anything to do with my property or credit. I'm in Buffalo, NY. How do I fix this ASAP?

Public Comments

1. Have your brother sign something saying that he does not own it. And get yoru original loan docs and have the company that made the mistake fix it. DId you buy title insurance?
2. The only way to get someone off of the deed is with a "quickclaim". You need an attorney ASAP to get it resolved. An attorney should only charge you 100.00 bucks or so to do a deed transfer. Your brother being on the deed means that at some point, someone else had their hand in your property at one time or another. A Parent maybe? Are you in a trust situation? Was there a will involved at one point?
3. They likely ran a name search and through a mistake have them listed. You probably didnt have an affidavit of identity done when buying the home. The wrong names can quit-claim their interest to you and remove the cloud on title. This is really a title company mistake and a rare one in your case. They should bear the cost and burdon of clearing this up. The lender could have also made a simple clerical error or saw aliases on the credit report and not understand why. Ask for a copy of the title report in question and make them fix it. They might be looking at a low level preliminary abstract title report that is not as specific and the fully searched insurable title report has not been finished yet.
4. Call the title company...