How to remove someone from mortgage?

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Removing someone from a mortgage is a complex process that requires careful consideration and adherence to legal requirements. Whether you want to remove a co-borrower, a spouse after a divorce, or a guarantor, it’s important to understand the steps involved. In this article, we will explore the various methods and considerations for removing someone from a mortgage.

Review the Mortgage Agreement

First and foremost, review the mortgage agreement to understand the terms and conditions. This will help you determine the rights and responsibilities of each party involved. Pay close attention to any clauses related to removing a borrower from the mortgage, as these can vary depending on the lender and the type of mortgage.

Speak with the Lender

Contact your lender to discuss your intention to remove someone from the mortgage. They will provide you with the necessary information and guide you through the process. Be prepared to provide documentation such as proof of income, credit history, and any other documents required by the lender.

Refinance the Mortgage

One common method to remove someone from a mortgage is to refinance the loan. This involves applying for a new mortgage in your name only, paying off the existing mortgage, and removing the other person from the loan. Keep in mind that refinancing may come with additional costs such as closing fees and appraisal expenses.

Assumption of Mortgage

In some cases, it may be possible to transfer the mortgage to another person through a process known as assumption of mortgage. This requires the lender’s approval and typically involves the new borrower meeting certain eligibility criteria. It’s important to note that not all mortgages are assumable, so check with your lender to determine if this option is available.

Sell the Property

If removing someone from the mortgage is not feasible through refinancing or assumption of mortgage, selling the property may be the best option. By selling the property, the mortgage will be paid off, and all parties involved will be released from their obligations. This option is particularly useful if the property has appreciated in value since the mortgage was taken out.

When dealing with complex situations such as divorce or disputes between co-borrowers, it may be wise to seek legal assistance. An attorney specializing in real estate law can provide guidance and ensure that all legal requirements are met throughout the process. They can also help negotiate any necessary agreements between the parties involved.


Removing someone from a mortgage requires careful consideration and adherence to legal requirements. Whether through refinancing, assumption of mortgage, or selling the property, it’s important to understand the options available and consult with the lender and, if necessary, legal professionals. By following the appropriate steps, you can successfully remove someone from a mortgage and move forward with your financial goals.