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Your mortgage loan will most likely need to be fully refinanced. Adding a new person to your mortgage loan changes the loan's terms. You won't be able to change these terms unless a lender creates a new loan for you through a mortgage refinance.

You can only transfer your mortgage to another person if your mortgage lender allows it. If you have a conventional loan, you probably won't be able to transfer your mortgage unless you have an allowed exception, such as if you're going through a divorce.

In most circumstances, a mortgage can't be transferred from one borrower to another. That's because most lenders and loan types don't allow another borrower to take over payment of an existing mortgage.

Contact your lender. Instead, they will likely make you refinance your home, in effect taking out an entirely new mortgage. Adding a person to your mortgage without refinancing can only work if the mortgage is assumable. Federal Housing Administration (FHA) loans tend to be assumable, but other types may not be.

Nebraska LLC Formation Filing Fee: $100 To file your Nebraska Certificate of Organization with the Secretary of State, you'll pay $100 to file online, or, for $110, you can file in-office.

Nebraska doesn't have a general business license at the state level, so there are no fees there. However, your business may need a state-level occupational license or municipal-level license or permit to operate.