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Do i have to refinance to remove my ex wife from the mortgage?

I have proof that i was the sole income provider, do these issues matter? She is willing to walk away with out any legal issues by MtManJeremyStein7736 from Apple Valley, California. Oct 9th 2013 Reply


Jason Vondrak (jvondrak)
#222 ranked lender in California - 1,741 contributions

In order to remove someone from a mortgage you will have to refinance. If you do not want to refinance and she is cooperative, you can continue to pay your mortgage as is with her on the loan. We are a lender located in San Diego, licensed throughout the entire state of California. Feel free to contact us to go over your refinancing options - 858-605-0952. We specialize in California refinance!

Oct 9th 2013
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Crestico Funding (CresticoFunding)
#318 ranked lender in California - 336 contributions

To remove her from the loan, Yes you need to refinance. but if you guys agree to the terms, she may stay on the loan as a financial guarantor and gives you a quitclaim deed which means she no longer have any vested interest and ownership in the property.

Oct 9th 2013
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William J Acres (William_Acres)
#1 ranked lender in Arizona - 8,659 contributions

To remove someone from the MORTGAGE, you will have to payoff the loan... either by cash, selling, or refinancing.. but this is different than removing someone from the DEED... if your ex wife was not on the mortgage, but the deed, then she can sign the property over to you and no other action would be required.. but If she was on the mortgage and deed, you will need to pay off the existing loan to remove her.. .. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. 480-287-5714 WilliamAcres.com

Oct 10th 2013
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Ken Burrows (mortgagesforamerica)
#19 ranked lender in Nevada - 572 contributions

Yes most likely you will need to refinance to remove another off of a loan.

Oct 9th 2013
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Peter Savino (855411LEND)
#100 ranked lender in New Jersey - 332 contributions

I can refinance your mortgage with a property settlement agreement before the actual divorce takes place. www. HOMEMORTGAGEXPERT.com Peter Savino - 855- 411- LEND

Oct 9th 2013
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Dan Paladin (dpaladin)
#2 ranked lender in California - 567 contributions

In short as mentioned yes....The other details you mention do not matter...just need her co-operation...feel free to contact me for complete details. 877-369-4319.

Oct 9th 2013
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Joe Metzler (JoeMetzler)
#1 ranked lender in Minnesota - 3,895 contributions

Realistically, the only way to remove someone from a mortgage is with a refinance. technically, you can contact the lender and explain your situation, and it is possible to remove a party with the lenders blessing, but I've never heard of a successful case...

Oct 9th 2013
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Richard Woodward (RichardWoodward)
#40 ranked lender in Texas - 106 contributions

Yes, you will have to refinance to remove a co-applicant from your existing mortgage.

Oct 9th 2013
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Derick Condron (rightstartoregon)
#32 ranked lender in Oregon - 598 contributions

Yes to have her removed from the mortgage you will have to refinance. You can have her removed from title which would take her interest in the property away when and if you sell it.

Oct 10th 2013
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