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all right picture this you are about to close on your home and your husband's not on the loan so you're just going to show up to the closing attorney's office you sit down and they say where is your husband and you say I don't need him I'm a strong independent woman I don't need no man but the closing attorney says well we actually can't close because your spouse isn't here now I imagine you're probably gonna be pretty upset because you weren't expecting that and we're going to talk today about why does your spouse need to sign if your spouse isn't on the loan in North Carolina there's this document called a deed of trust in every loan package so if you are borrowing money to buy a house you will sign a deed of trust there is no way around it and in North Carolina anyone that is on the title to the home has to be on the deed of trust and usually not in every case but usually if spous

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