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How can my current spouses name be removed from the current joint mortgage.

Posted on: 30th Mar, 2009 07:20 am
how can my current spouses name be removed from the current joint mortgage...the loan is in my name alone and only my income was considered. will a refinance be required?
this is not clear - do you mean that the two of you own the home, but you are solely responsible for making payments? that seems to be the case, but you need to add some clarity.
Posted on: 30th Mar, 2009 07:26 am
Yes. Both names are on the mortgage, however, only my name is on the loan documentation.
Posted on: 30th Mar, 2009 08:07 am
that makes your original question moot. if you are the only borrower, there's no need to refinance your mortgage except for the purpose of borrowing more money or reducing your rate.
Posted on: 30th Mar, 2009 08:41 am
Posted on: 30th Mar, 2009 08:59 am
just for clarity - the mortgage is the document that secures the loan. if you are the only signer on the loan, then you are also the only signer on the mortgage.

as for the ownership of the property, which is apparently what you're trying to change: you and your spouse can prepare and record a quit claim deed (from the two of you to you only) and that'll give you ownership solely.

i think that ought to do it for the answers you needed.
Posted on: 30th Mar, 2009 09:04 am
Thanks!!
Posted on: 30th Mar, 2009 09:24 am
Hi

From what you've mentioned it seems you want to remove your spouse's name from the title to the property. Well, if this is the case, a quitclaim deed should be enough to solve your issue.
Posted on: 31st Mar, 2009 07:15 am
my wife has disappeared the police have tried to find her but can't.It has been over a year now, my mortgage is up for renewal how can I get her name off the mortgage so I don't loose the house
Posted on: 13th Sep, 2010 10:15 am
Hi puhlmann!

Welcome to forums!

You'll refinance the mortgage in your name in order to remove your spouse's name from the mortgage documents.

Feel free to ask if you've further queries.

Sussane
Posted on: 13th Sep, 2010 10:36 pm
I suspect it won't be quite so easy, Sussane.

Puhlmann, you'll probably need to file a legal notice in your local newspaper to accomplish what you need. Contact an attorney in your area, discuss the situation, and move on from there.

Refinancing isn't an option when the title is jointly held and you're trying to do it on your own. Any lender you speak with is going to require that all parties to the deed be a part of any new loan you seek.
Posted on: 17th Sep, 2010 11:17 am
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