Mortgage closing and Picture ID question

[graceful]

It looks like we'll be closing on our new home the first week of November!

I have a question about the picture ID needed at closing. The name I will be using on the title of the house and all the mortgage documents will be my First name, Maiden last name (as middle name) and Married last name. That is what I use for personal use all the time anyway. I have credit cards with that name as well as our joint bank accounts.

However, all my photo IDs - DL and passport - are in my maiden name. I have my original marriage certificate with my name change stated as well as my social security card with my first, maiden and married names. (i.e. Jane Smith Jones) I wonder if I can use my photo ID with my maiden name with my marriage certificate at the closing?

I realize the quickest fix would be to get myself to the DMV and get my name changed on my DL. I still use my maiden name for professional reasons only - at work. And I need to get documents notarized frequently for work, so it has always been easier to keep my DL in my maiden name for that.

If I do HAVE to update my DL, as hypothetically Jane Smith Jones, will I still be able to get documents notarized as Jane Smith? Worst case scenario, I guess I will lug my passport around as ID.

I would prefer to change the name on my passport instead of my DL, but don't think I will have time to get it back before closing.


I'm going to verify with lender to see what my options are (during working hours) but wanted to know if anyone knew from experience.

Thanks.

[creditcardfree]

I would definitely ask the lender, but the id really is simply to verify that you are the person taking out the loan and signing the legal document. The person handling closing most likely will never have met you before that day.

Good luck!

[Alex_Adviser]

I think that it would simply be no problems for you. As you have mentioned that you have all the other documents with you (in your maiden name), and so that could be justified with your marriage and name changed certificate. You can also open a bank account in your new name, and then maintain it for at least 6 months. This bank statement of 6 months can also prove to be your identity proof.

[momof1in150]

Your picture ID has to match the documents you are signing. Each state is different. If you are using a closing attorney call the attorney and ask. In RI your signature on the ID has to match the signature on the documents and the name has to match the title.

[graceful]

I have forwarded my question to the appropriate party and am awaiting their response. Will let you all know what the final answer will be. I am in NYS.

Thanks for all your responses!

[graceful]

For those that are interested, I got an official response from the closing attorney. I just need to provide my marriage certificate in addition to picture ID as proof of identity and name change.