Legal Question in Real Estate Law in Georgia

Re: quit claim deed

Your post is far from clear. Title and Loan are twos eperate things. To "add someone to your deed," you file an appropriate deed that transfers title from you alone to both of you. That does not affect liability under the Loan, but likely violates your loan agreement (read it). If you want a new loan with different terms, you refinance.

Re: quit claim deed

I think you are on the wrong track. You do not, at least at this point, want to put any part of the title in someone else's name. What you need is a co-signor on the type of financing you are seeking. Consult with a local attorney and/or a local mortgage person.