What happens when you use a variation on your legal name and apply for a home loan? While nothing prohibits you from using another variation of your name when taking title to the property, the title company will verify your identity through a Driver’s License or Passport. If the name on your ID does not match the loan application, then the loan application will need to be changed, which will delay the closing process. So, my best advice is to apply with the name listed on your ID to avoid any last-minute issues!