If one of the spouses wishes to keep the house and is allowed to do so by the divorce agreement or judgment, the other spouse must be removed from both the mortgage and title.
Removing someone from title is relatively simple. A quitclaim deed signed by both spouses or a court order can quickly change the ownership of the property to remove one or more parties.
Unfortunately, it is nearly impossible for a co-borrower to be removed from a mortgage loan. The only option if there is a mortgage loan on the divorcing couple's property would be a refinance by the spouse keeping the property.
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