How to Remove Your Name from a Mortgage After DivorceDivorce can be a challenging and emotional process, and dealing with joint debts, such as a mortgage, can make things even more complicated. If you and your spouse are divorcing, you may be wondering how to remove your name from a mortgage. There are a few different options available, and the best one for you will depend on your circumstances.

Sell the Property

One option is to sell the property and use the proceeds to pay off the mortgage. If you and your spouse both want to move on and start fresh, this may be the best option. However, if the property is worth less than the mortgage balance, you may have to negotiate with the lender to accept a short sale.

Refinance the Mortgage

Another option is for one spouse to refinance the mortgage in their own name. This involves applying for a new mortgage and using the proceeds to pay off the existing mortgage. Refinancing can be a good option if one spouse wants to keep the property and can qualify for a new mortgage on their own.

Assume the Mortgage

In some cases, one spouse may be able to assume the mortgage in their own name. This means taking over the existing mortgage without refinancing or paying it off. However, not all mortgages are assumable, and the lender may require the assuming spouse to qualify for the mortgage on their own.

Legal Intervention

If you and your former spouse are unable to reach an agreement about the mortgage, you may need to seek legal intervention. A family law attorney can help you understand your options and negotiate a fair settlement that protects your interests. It’s important to note that lenders are not required to remove your name from a mortgage, even if you have a divorce decree stating that you are no longer responsible for the debt. The lender will typically only remove your name from the mortgage if the person who is keeping the property can qualify for the mortgage on their own or if the existing mortgage is paid off.


Removing your name from a mortgage after a divorce can be a complicated process. Whether you decide to sell the property, refinance the mortgage, or assume the mortgage, it’s crucial to work with an experienced attorney who can help you navigate the process and protect your interests. By understanding your options and legal rights, you can move forward with confidence and start fresh after your divorce.

Contact The Blacknall Firm

If you are facing a family law issue and need representation for a final trial or any other legal matter, contact the Blacknall Firm today. Our team of experienced family law attorneys is dedicated to helping our clients achieve the best possible outcome in their cases. Let us put our skills and knowledge to work for you.