The mortgage rates are inching closer to where I will consider refinancing. Hopefully, by next week they are all in the solid 2-3% territory - like I remember seeing when first looking for a house in 2016.
As of now, the house is in my name only, as is the mortgage. Is there an easy and cheap way, preferably DIY, to transfer ownership of the house to my wife, and have her take a mortgage when I am ready to refinance?
The reason I want to do so is to get a credit score bump for DW. After I paid the mortgage for a couple of years, my credit score jumped above 800. For DW - it is still hovering around 750ish. I *think* (not sure) that having a higher score will make it easier to do our yearly CC churning.