Can I Get a Home Equity Loan If My Spouse Won’t Sign? | NC

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Q: Can I move forward with a home equity loan if my spouse refuses to sign the closing documents? A: Usually, no. In North Carolina, if you and your spouse own the home as tenants by the entirety, one spouse generally cannot place a mortgage, refinance, or home equity lien on the property without the other spouse’s written joinder. A home equity loan usually requires a deed of trust, which gives…