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Can I list a home with only the husbands signature?

By
Real Estate Agent with RE/MAX Compass 0524642

In Houston our Association requires that all owners of a home sign a listing agreement before it can be advertised on the MLS. This means that in almost all cases you can't just have the husbands signature to list a home and not the wife's. There have been many times where one person believes the other should be excluded during the home selling process. 

Here are some past examples where confusion can occur:

1. The husband's culture prevents the wife from partaking in any business matters, including selling the home.
2. One spouse isn't on the loan.
3. Divorce.
4. Estate Sales.

If you purchased a home after you were married in Texas then both husband and spouse own the home and both would have to sign a listing agreement in order for it to be on the MLS. It's also likely that both have signed the Deed of Trust at closing.  If the loan is JUST in the wife's name then it still applies. The Husband has Homestead rights and vice versa. If you're going through a divorce that isn't amicable and you aren't communicating then you'll likely need to do so through an attorney and use JUST ONE Realtor to list your home. You can't have both parties signing listing agreements with two different agents. In many cases, the attorney and or judge will make this known before you go haywire trying to buck or beat the game.

The Executor of an estate has to sign the listing agreement, not all 4 family members of the deceased. And if it's a female, she's known as the Executrix, not Executor.

If you have lived in a home in Texas for more than 30 days then you are usually recognized as a resident. This is why you get your taxes rebated from extended stay hotels after 30 days. If you're a girlfriend living with a man and have occupied the home for more than 30 days then you may have what's referred to as "interior homestead rights." And it might be a good idea to get a drivers license with the homes address if you want to validate your presence!

Each Realtor Association has it's own set of rules that can vary and not every state has Homestead rights.

 

Posted by
Greg Nino
Realtor
RE/MAX Compass 
Direct & Text 7 days a wk: 832-298-8555 
 
 
Realtor since 2004
Mediator & Arbitrator for the TX Assoc. of Realtors
Member of the Professional Standards Committee for the TX Assoc. of Realtors
Arbitrator for the Comptroller's office for the State of TX for Arbitration of Property Tax Values

 Member of the RE/MAX Hall of Fame & Platinum Club

 

The information contained in this blog is believed to be reliable and while every effort is made to assure that the information is as accurate as possible, the author of this blog, and its comments disclaim any implied warranty or representation about it's accuracy, completeness or appropriateness for any particular purpose. All information is copywritten and the property of Greg Nino.  

Comments(35)

Tracy Lee Parker
RE/MAX DFW Associates - Royse City, TX
Buy*Sell*Rent

Hi Greg, Been through all of these situations! Thanks for the explanations

Oct 11, 2011 02:26 PM
Sharon Alters
Coldwell Banker Vanguard Realty - 904-673-2308 - Fleming Island, FL
Realtor - Homes for Sale Fleming Island FL

Greg, in Florida you can't sell a property without the spouse's signature. And if there is a divorce, there must be a Quit Claim deed signed in order for one party to sign and sell.

Sharon

Oct 11, 2011 02:57 PM
Evelyn Johnston
Friends & Neighbors Real Estate - Elkhart, IN
The People You Know, Like and Trust!

We were taught in salesman class that even if both spouses were not on the loan you needed both signatures to protect the transaction from the widow/winower's portion. 

Oct 11, 2011 03:14 PM
John Juarez
The Medford Real Estate Team - Fremont, CA
ePRO, SRES, GRI, PMN

The listing contract spells out the obligation of the seller to pay compensation to the broker. Why in the world would you not get the signatures of all owners on that contract? Do you want to be in a fight with one of the owners who is willing to sell the house but did not agree to your compensation and doesn’t want to pay you?

Oct 11, 2011 03:15 PM
1~Judi Barrett
Integrity Real Estate Services 116 SE AVE N, Idabel, OK 74745 - Idabel, OK
BS Ed, Integrity Real Estate Services -IDABEL OK

I've never heard of interior homestead rights.  That is really interesting. Anyone wanting to sell their property that is in Texas should be paying attention to this blog post.

Oct 11, 2011 03:17 PM
Debe Maxwell, CRS
Savvy + Company (704) 491-3310 - Charlotte, NC
The RIGHT CHARLOTTE REALTOR!

Parked for the attorney's comment!

Oct 11, 2011 03:26 PM
Leslie Ebersole
Swanepoel T3 Group - Saint Charles, IL
I help brokers build businesses they love.

I'd love some new interior homestead rights. A big Texas ranch would be good.

Cultural issues are important, but laws apply to everyone....

Oct 11, 2011 04:04 PM
Evelyn Kennedy
Alain Pinel Realtors - Alameda, CA
Alameda, Real Estate, Alameda, CA

Greg:

We have to be sure that all owners sign the listing agreement.  A property profile will usually provide the ownership information.

Oct 11, 2011 04:58 PM
Laura Lake
Equity Union Real Estate - Palm Desert, CA
Broker Associate - Coachella Valley

Good Post, good information for people to know. 

Oct 11, 2011 05:48 PM
Rosalie Evans
Meritus Group Real Estate - Sioux Falls, SD
The Evans Group, Sioux Falls, SD Homes For Sale

I am going to have to check in on this for my state. I am not sure if the home was purchased before marriage if it is considered property of both after! Definately something to think about when taking that plunge!

Oct 11, 2011 06:29 PM
Richard Weeks
Dallas, TX
REALTOR®, Broker

@Joni that applies everywhere in Texas.  If the property was seperate property and used as the couples homestead then both signatures are required to transfer ownership.

Oct 11, 2011 11:33 PM
FN LN
Toronto, ON

Hi Greg - In Ontario, we need to take into account the Family Law Act which deals, in part, with matrimonial homes.

Oct 11, 2011 11:53 PM
Michael Setunsky
Woodbridge, VA
Your Commercial Real Estate Link to Northern VA

Greg, good information and a good idea to look into the laws on the state where an agent practices.

Oct 12, 2011 01:44 AM
Anthony Daniels
Coldwell Banker - San Francisco, CA
SF Bay Area REO Specialist

I learned THAT lesson early on in my career.  History never repeated itself.

Oct 12, 2011 01:50 AM
J. Philip Faranda
Howard Hanna Rand Realty - Yorktown Heights, NY
Associate Broker / Office Manager

In New York, whoever is oin the deed has to sign the listing contract. The same goes (obviously) for the sale. 

Oct 12, 2011 01:59 AM
Bob Zorechak - ABR, GRI, e-PRO
Keller Williams Realty Metropolitan - Morristown, NJ
Sells Homes in Morris/Somerset/Hunterdon Cos., NJ

Excellent post providing clarification to what many of us run into on a weekly basis.

Oct 12, 2011 02:41 AM
Doug Rogers
RE/MAX Coastal Properties - Destin, FL
Your Real Estate Resource!

I had this happen my first year in the biz. Husband signed a listing contract with me, said his wife would sign after work. In the meantime the wife met with an agent and said her husband would sign after work.

 When the gaff was caught they cut us both loose and signed with a third agent. The home expired six months later...

Oct 12, 2011 03:14 AM
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

My experience was that any spouse can offer the property for sale...but whoever is on the deed has to sign eventually...Knowing that you only have one signature going in makes it obvious its a waste of time until both sign..good one Greg

Oct 12, 2011 03:28 AM
Faye Y. Taylor
StepStone Realty, LLC - Floresville, TX
Country Living with City Convenience -Wilson Co TX

Great post.

Title may be held in one name only but as a community property state, the spouse must sign at closing to release their claim to the property.  So since Texas is a community rights state and recognizes common law marriage, there are many things that factor into a sale.

Years ago I did not understand why I had to sign for the sale of my husband's first home even though I had never been on title, never lived in the home.  I did not understand that nor was it explained to me that our joint income had made payments on the note, etc.  I had purchased my home before we married, we lived in it 4 years before we sold, he was not on title & he had to sign all the paperwork also to release it.  I think all we were really signing is the relinquishment to any lawsuits later if we wanted to say we had a "part" ownership in the home even though we weren't on each other's title.  

Community property is great from my viewpoint.  Maybe that is why we are not an alimony state.    Texas is a consumer friendly state in many regards.  That has been my experience from the insurance side also.  I hold a Texas Insurance agent license and have always regarded Texas as protecting all individual rights.

 

Oct 12, 2011 06:37 AM
Greg Nino
RE/MAX Compass - Houston, TX
Houston, Texas

Well said, Faye, thanks for the comment!

Oct 12, 2011 10:05 AM