Here are five things you should consider before adding someone to your deed. You need permission from the lenderThe law doesn't forbid adding people to a deed on a home with an outstanding mortgage. And you should obtain permission from your mortgage lender before adding someone to the deed. IRS gift taxes may applyWhen you add someone to your deed, the IRS sees it as a gift. Another thing to consider is that adding someone to the deed does not make them responsible for the debt.