Affidavit of Continuous Marriage

Access_Title_Agency_continuous_marriageTitle commitments will frequently contain a requirement for an affidavit of continuous marriage….why?


The affidavits may be used to demonstrate that the title was continuously held as tenants by the entirety to assure the Underwriter that the ownership was not broken. A break in the ownership through divorce, death or deed may allow certain liens or judgments against one spouse to attach to the marital property held by both.

Another reason for the use may be in the instance when one spouse is deceased. The affidavit aids in assuring the Underwriter that the rights to the property of the deceased spouse automatically transfer to the remaining spouse.

Note: No legal advice or suggestions are being given.

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Vesting or Taking Title on Deeds


Multiple Party Deed

A few ways in which more than one party may hold title are as follows:

Tenants by the Entirety:  Only a husband and wife may hold title in this manner.  Provided the couple remains continuously married, the surviving spouse becomes the 100% owner of the property upon the death of their spouse.

Tenants in Common:  Title can be held by two or more individuals or legal entities in equal or unequal percentages.  Upon the death of one of the owners, their interest passes under the term of their will and not automatically to the other people with whom they are in title.

Joint Tenants with Rights of Survivorship:  Title must be held in equal interests (ie:  50/50 or 25/25/25/25) by individuals.  Title passes automatically to the co-owners upon the death of any owner.

Life Estate with Remainder Interest:  Title passes automatically to the holder of the remainder interest upon the death of the holder of the life estate interest.

Note:  No legal advice or suggestions are being given as to the preferable or recommended way to hold title.  Consult with an attorney prior to deciding how to hold title.  The above is an excerpt only from an Underwriting Manual.