Usually yes. Title (who owns the home) and the mortgage (who owes the loan) are separate, so adding someone by deed does not require a refinance. A new deed makes your partner a part-owner without putting them on the existing mortgage. You stay solely responsible for the loan; they gain an ownership stake without the liability. Two cautions before you sign a deed: - The due-on-sale clause. Most mortgages technically let the lender call the loan when ownership transfers. Federal law (the Garn-St Germain Act) protects a list of common transfers, including adding a spouse and moving the home into your own living trust where you remain the beneficiary. Adding a non-spouse partner may not be covered, and a transfer to an LLC is not on the protected list at all, so confirm with your lender or servicer first. - A title interest is real. Once someone is on title, they have to sign off on any future sale or refinance, and untangling ownership later (in a breakup, say) can get complicated and expensive. There are also tax and property-tax angles that turn entirely on your state and situation. In California, for example, spousal transfers are generally exempt from reassessment, while adding a non-spouse can trigger a partial property-tax reassessment and may count as a gift. Real money rides on those details, so run the deed past a real estate attorney or your title company before you sign anything. If a refinance is already on your horizon, that can be the cleaner moment to get both names on title and the loan together, and we are glad to help you think through the timing.