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Can I remove my ex from our mortgage without refinancing?

Divorce tends to complicate finances so it is important to know your rights.


There is an inexpensive way to remove your ex from your mortgage.

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How can I get my ex off our mortgage?

Usually getting your ex removed from your mortgage would require refinancing. Refinancing can be expensive, especially right now with the current inflation rate. However, there may be another way.

In order to understand the process, you’ll need to know the difference between a promissory note and mortgage documents.

A promissory note is the obligation to repay the loan. The mortgage document is what creates the lien against the property.

Whoever signed the promissory note is the person who had the credit for the loan. Therefore, whoever signed is legally responsible for paying what is left on the home.

If you signed the promissory note and your ex is not on it, a quitclaim deed can transfer ownership and interest to you. Quitclaim deeds are used to transfer a property from one person to another.

However, if your ex is on the mortgage, their name will stay on it until it is paid off.  If your ex is willing to release their name from the mortgage, you can try speaking to your lender.

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