How to remove a name from a joint mortgage

Written by valencia higuera
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How to remove a name from a joint mortgage
You must refinance to take a name off a mortgage. (Flickr)

Homes are expensive, and most home buyers apply for a mortgage with a co-debtor. This can be a spouse or family member. While having two people apply for a mortgage loan improves the approval odds, situations can arise in which one person wants her name removed from a joint mortgage. Unfortunately, removing a name from a joint mortgage is easier said than done. However, there is a way to get around this problem.

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  1. 1

    Maintain a high FICO score and steady employment. To remove a name from a joint mortgage, the person who remains on the mortgage loan must be in a position to pay the monthly payment on his own. He'll need a decent credit score, reliable employment and sufficient income.

  2. 2

    Refinance the mortgage loan. Unfortunately, removing a name from a mortgage loan isn't as simple as calling the mortgage company and making a request. To achieve this, you'll have to refinance the home loan. The person who chooses to remain on the mortgage needs to contact a lender and complete a mortgage application.

  3. 3

    Present your divorce decree. Refinancing a home loan does not automatically release you from liability. To have a spouse's name removed from a joint mortgage, you'll need to provide the lender with a divorce decree.

  4. 4

    File a quitclaim deed. If you're divorcing a spouse, you'll need to contact your attorney and request a quitclaim deed. Your spouse signs this document at closing, and it transfers ownership of the home to your spouse. In return, you relinquish all interest in the property.

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