Sandy Gadow, a featured guest on CNN's "Open House," and a speaker on national radio as the escrow expert and has more than 25 years experience in escrow, title and real estate. A  mortgage broker and real estate sales associate, Sandy is a member of the American Land Title Association, the National Association of Realtors, and on the advisory council for the Escrow Career Center. She is the author of The Complete Guide to Your Real Estate Closing and a guest contributor to Nolo's Essential Guide to Buying your First Home. She specializes in assisting the American as well as international client. If you have questions for Sandy see our Ask Sandy page. Here are a few recent articles.

Can Unmarried Persons Hold Title As Joint Tenants?

Many times two or more owners want to hold title to a property and they want the "right of survivorship" feature that accompanies Joint Tenancy. These owners do not need to be husband and wife to hold title in Joint Tenancy.

Right of survivorship means that when one of the joint tenants dies, that interest passes automatically to the surviving joint tenants. The surviving joint tenants receive the deceased joint tenant's interest without having to go through probate proceedings. All judgment liens, deeds of trust, or other liens which exist against the deceased joint tenant's interest in the property are eliminated.

In order to create a joint tenancy, all that is normally required is that the deed states that the grantees are to hold title as joint tenants. In some states, specific Joint Tenancy Deeds are required. In many states, four elements are necessary to create the joint tenancy.

Those four requirements are that each tenant must acquire his interest at exactly the same time, that each tenant must acquire his ownership in the same document, that each tenant must hold the same type and amount of ownership interest, and that each tenant must have an equal, undivided, and identical right to possession of the property. All interests must be equal. One tenant may not own a quarter interest and the other tenant a half interest.

Joint tenants are allowed to transfer their individual interest to someone else, but the new owner will come in as a tenant in common with the remaining original joint tenants. Joint tenants may not leave their interest in the property to anyone else in their will. Their interest passes only to the surviving joint tenants.

Related Article

Ending A Co-Ownership With A Quitclaim Deed

Copyright © 1999 Sandy Gadow. This column may not be resold, reprinted, resyndicated or redistributed without the written permission from Escrow Publishing Company.

Related Information

Title Insurance Glossary

Look up title insurance terms and definitions

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All information is deemed reliable but is not guaranteed and should be independently verified.