Yes. Your broker is correct.
Get your wife to quitclaim any interest she might have in the property. A properly executed and recorded quitclaim deed will satisfy lenders and title insurance companies.
Yes and no. Florida is not a community property state. Thus your wife does not have an ownership interest in your separate property. But she may have a marital interest in the property the event of divorce. So legally you likely can sell it and convey good title to the property. But title companies are conservative and may not want to insure that transfer anyway given the potential marital interest.
Why haven't you and your wife divorced at some point in the last 2+ decades? Do you know where she is?
In what state does your wife now live? In what state did you live when you were together? Why have you remained married despite being separated for over two decades?
Will there be an issue? We can't possibly know. Could there be an issue. Absolutely. For your sake, I hope you know how to contact your wife and that she will be willing to release any possible marital interest without payment.
Only if it's submitted into escrow and recorded concurrently with the other transaction documents.
Yep - and that's covered by the word "properly".
You apparently feel certain that your wife/ex wife has not divorced you at some point in the last 14 year or so. Have you been in close enough contact to actually make that assumption?
She might not only have divorced him but she might have remarried.
Or, God forbid, passed away.
