How to remove someone from a mortgage without refinancing?

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Removing someone from a mortgage without refinancing can be a complex process, but it is possible under certain circumstances. Whether you want to remove a co-borrower, a former spouse, or a family member from a mortgage, there are a few options available. In this article, we will explore different methods to remove someone from a mortgage without the need for refinancing.

Method 1: Loan Assumption

Loan Assumption: Loan assumption is a process where a new borrower takes over the existing mortgage and assumes the responsibility for repayment. This method requires the lender’s approval and typically involves meeting certain eligibility criteria. The new borrower must demonstrate their ability to repay the loan and meet the lender’s credit requirements. Once approved, the original borrower is released from their obligations.

Method 2: Mortgage Modification

Mortgage Modification: Mortgage modification involves making changes to the terms of the existing mortgage to remove a borrower. This method requires the consent of both the lender and the remaining borrower(s). The lender may agree to modify the mortgage by removing the unwanted borrower’s name, adjusting the interest rate, or extending the loan term. It is essential to communicate with the lender and provide any necessary documentation to support the modification request.

Method 3: Quitclaim Deed

Quitclaim Deed: A quitclaim deed is a legal document that transfers a person’s interest in a property to another person. By using a quitclaim deed, a borrower can remove themselves from the mortgage without refinancing. However, it is important to note that the remaining borrower(s) will still be responsible for the mortgage payments. It is advisable to consult with a real estate attorney to ensure the quitclaim deed is prepared correctly and legally binding.

Method 4: Selling the Property

Selling the Property: One of the most straightforward ways to remove someone from a mortgage without refinancing is to sell the property. By selling the property, the mortgage is typically paid off, and all borrowers are released from their obligations. The proceeds from the sale can be used to settle the existing mortgage, and any remaining funds can be distributed among the borrowers as agreed upon.

Method 5: Paying Off the Mortgage

Paying Off the Mortgage: If the remaining borrower(s) can afford it, paying off the mortgage in full is another way to remove someone from the mortgage without refinancing. This method requires a significant amount of funds to settle the outstanding loan balance. Once the mortgage is paid off, the lender will release the unwanted borrower(s) from their obligations, and the property will be owned solely by the remaining borrower(s).


Removing someone from a mortgage without refinancing is possible through methods such as loan assumption, mortgage modification, quitclaim deed, selling the property, or paying off the mortgage. Each method has its own requirements and considerations, so it is important to carefully evaluate the situation and consult with professionals such as lenders, real estate attorneys, or financial advisors to determine the best course of action. By understanding these options, borrowers can navigate the process of removing someone from a mortgage effectively.