How to Get a Person's Name Off the Mortgage

Written by duncan jenkins
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If you wish to remove a person from a mortgage account, the process will be fairly involved. However, if you wish to remove someone from the deed on the house, the process is far simpler. However, in both cases, there is paperwork that must be filed in order to remove a name.

Skill level:

Things you need

  • Quitclaim deed
  • Income documents (W-2s, pay stubs)

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  1. 1

    Obtain a blank copy of a quitclaim deed if you are simply removing a person from the deed of the house, not the mortgage. You may need a real estate attorney to make sure the language is correct and to notarise the deed.

  2. 2

    Bring the completed quitclaim deed to your registry of deeds to record it. This will officially remove the party listed on the quitclaim deed from the house.

  3. 3

    Pull a copy of your credit report if you are removing a person from the mortgage on the house. The only way to remove a party from the mortgage loan is to refinance. Prior to refinancing, you must check your credit. Go to the to check your credit.

  4. 4

    Make sure your income alone can sustain the refinance, if you will be the sole borrower on the refinance. Lenders use a debt-to-income ratio (DIR) to calculate the ability to repay. A good DIR is below 40 per cent, though some go as high as 50 per cent. To find your DIR, divide your monthly expenses (including a mortgage payment) by your gross monthly income.

  5. 5

    Research lenders and programs. If you have excellent credit (above a 720 FICO score), you should narrow your search to local banks and credit unions--these lenders have the most competitive rates. If your credit is poor or marginal (below 620), you will need to research finance companies--such as CitiFinancial.

  6. 6

    Make sure that only you are on the loan application for a refinance. It's also imperative that the other party know that he is being removed from the mortgage loan.

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