Zillow Advice: Mortgage Types - Can I get a home loan with 10% down if my name is not on another home loan? http://www.zillow.com/advice-thread/Can-I-get-a-home-loan-with-10-down-if-my-name-is-not-on-another-home-loan/460749/ Zillow Advice | Zillow Real Estate @Tim-&nbsp;In this scenario ... http://www.zillow.com/advice-thread/Can-I-get-a-home-loan-with-10-down-if-my-name-is-not-on-another-home-loan/460749/ @Tim-&nbsp;In this scenario where she is on 100 deeds would all of these properties be exempt from taxes and insurance?&nbsp; Thu, 20 Sep 2012 22:16:00 GMT http://www.zillow.com/advice-thread/Can-I-get-a-home-loan-with-10-down-if-my-name-is-not-on-another-home-loan/460749/ 2012-09-20T22:16:00Z Once your name is off the ... http://www.zillow.com/advice-thread/Can-I-get-a-home-loan-with-10-down-if-my-name-is-not-on-another-home-loan/460749/ Once your name is off the mortgage, you should be able to qualify for another mortgage on your own qualifications.&nbsp; However, you will need a down payment for a vacation or rental property.&nbsp; Aim for 20% down&nbsp; payment (which is higher than if it is your primary residence).<br/><br/>Don't sign the quit claim deed until you are confident that his loan is approved, otherwise, you may not be on the deed but will still be on the mortgage. <br/><br/><br/> Thu, 20 Sep 2012 22:14:00 GMT http://www.zillow.com/advice-thread/Can-I-get-a-home-loan-with-10-down-if-my-name-is-not-on-another-home-loan/460749/ 2012-09-20T22:14:00Z Thanks a lot! http://www.zillow.com/advice-thread/Can-I-get-a-home-loan-with-10-down-if-my-name-is-not-on-another-home-loan/460749/ Thanks a lot! Thu, 20 Sep 2012 22:11:00 GMT http://www.zillow.com/advice-thread/Can-I-get-a-home-loan-with-10-down-if-my-name-is-not-on-another-home-loan/460749/ 2012-09-20T22:11:00Z You will need to be off the ... http://www.zillow.com/advice-thread/Can-I-get-a-home-loan-with-10-down-if-my-name-is-not-on-another-home-loan/460749/ You will need to be off the mortgage, which the refi should be able to do, and it doesn't make much difference about the deed. You could be on 100 deeds because that along does not obligate you to pay a mortgage, therefor no debt. One you are debt free speak to a lender to see if you qualify for a loan.<br/><br/>Tim Thu, 20 Sep 2012 21:42:00 GMT http://www.zillow.com/advice-thread/Can-I-get-a-home-loan-with-10-down-if-my-name-is-not-on-another-home-loan/460749/ 2012-09-20T21:42:00Z