In a divorce can I take my wife off my mortgage with out

[mountainriley]

refinancing? The curent morgage rates are at least 1.5% higher than my curent rate of 6.25%.

[puanani]

Probably not, unless your credit is good enough to, and only the mortgage company you are with now could tell you that.

[one voice]

umm yah go to the place wher eyou did it at :]

[Speed racer]

No. As far as I know in order to get her off the mortgage you would have to refinance. I'm assuming that she is off the title also.

[Judyskiis]

No. You can take her off of the ownership of the house if she is willing to sign her rights to the house over to you. The lender is not going to all of the sudden let you cut the responsible parties for the loan in half. It takes away their security in the loan repayment. The only other way would be to buy the house outright. With no loan there is no mortgage to take her off. Otherwise you have to refinance and requalify without her on the loan.It is a lot easier to get her off of the ownership of the house... There is a form called a quit claim deed. This is where she signs saying that she no longer is an owner of the house. You can get that from most banks or lending institutions. However, even with a quit claim deed, she is still on the mortgage.

[astatine]

No. You cannot take your wife off the mortgage without refinancing. You can keep the existing mortgage and have her sign a Quit Claim. If she signs a Quit Claim, she will remain legally responsible for the mortgage if you fail to pay but has relished her rights to the property.

[TheAnswerMan]

if you can prove tothe lender,and you'll have to proof she is willing to go w/it. and your solid at your job and can pay 4 it&you'll need the current rate. then ya got a good shot c-ya" THE IS"

[Adriana]

No lender will remove your wife from your mortgage obligation without refinancing the entire loan.

[mia2kl2002]

hi if you are in the uk you would need her permission and prob have to remortgage as income would be affected. You say your current rate is 6.25% but i work for a mortgage broker and we actually have lower rates than that available( obviously subject to circumstance), if you would like a quote to compare email me on quotes@mukconnections.co.uk