Yes, you can add someone to title without refinancing: record a new grant deed, notarized and filed with your county recorder, and your existing mortgage stays in place. (The exact steps vary by state.) Two cautions worth knowing: - It becomes an uninsured deed. Because there's no purchase or refinance where a title company issues a policy, the change isn't covered by title insurance. When the property is later refinanced or sold, the title company will typically want to track down whoever you added so they can re-sign and clear title. That can be a headache if the person is hard to reach or the relationship has changed. - Due-on-sale risk. Transferring an interest can technically trip the due-on-sale clause in your loan, though lenders rarely act while payments are current, and federal law protects certain transfers, such as adding a spouse. Adding someone to title gives them a real ownership interest with real estate-planning, divorce, creditor, and tax consequences. A quick conversation with a real estate attorney or title officer before you record is cheap compared to a deed that does something you didn't intend.