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“how to remove ex spouse from mortgage after divorce”
Removing an ex-spouse from a mortgage requires refinancing into your name alone. This is one of the most common post-divorce financial moves, and lenders see it every day. Your divorce decree, your individual income, and your credit determine your options.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Divorce decree requires refinance within a deadlineSolution exists
- 2Ex-spouse wants their name off the loanSolution exists
- 3Need to sell or refinance to settle property divisionSolution exists
- 4Current mortgage has both names creating complicationsSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Rate-and-Term Refinance Solo
Refinance the existing mortgage into your name only based on your individual income and credit.
Available nowFHA Single-Borrower Refinance
FHA's flexible DTI and credit requirements make solo refinancing more accessible than conventional.
Available nowUse Alimony or Child Support for Qualification
If you receive alimony or child support, include it as income to bridge any gap from losing the second income.
Available nowTalk to someone right now
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(248) 864-2200Need your ex off the mortgage? We handle this daily.
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Frequently Asked Questions
No. The only way to remove a borrower from a mortgage is to refinance into a new loan with only your name. A quitclaim deed removes them from the title but not the mortgage.
Consider FHA for higher DTI allowances, include alimony/child support as income, add a non-occupant co-borrower, or explore Non-QM programs with alternative documentation.
Your divorce decree may specify a timeframe. If there is no deadline, it is still best to refinance promptly to protect both parties' credit and financial independence.
Need your ex off the mortgage? We handle this daily.
We will reach out at a time that works for you. No pressure, no obligation.