I live in Virginia, and this is my principal residence shared with my husband of 10 years.
At the death of one Joint Tenant, the Right of Survivorship takes effect. The other J/T is now the owner 100%. If you want to 'break' the Joint Tenancy then each of you can own is Tenants-in-Common, which allows each of you to convey your percentage to whomever you wish via your Estate Plan. See an Estate Planning attorney. Look at 'Find-A-Lawyer' at the top of this page. Good Luck!!
I would agree with the other attorney that answered this question. As it is now, whoever survives out of the two of you would end up owning the property 100%. To change this, you would need agreement of your husband to change how the property is titled between you. I would definitely suggest you sit down with an attorney in your area to go over the reasons why you are wanting to leave the property to a third party and whether there are other estate planning techniques that can be employed in order to meet your ultimate goals without involving this property.
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A seemly simple question, actually raises some pretty involved issues. There are several pretty long answers to the question that involve the Virginia Augented Estate, the right of partition, and one or two others. But the short answer to your direct question is: No, not without advance planning (beyond a will) and your husband's consent.
There are plenty of pot holes here. I recommend that you seek the advice of an estate planning or real estate lawyer.
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