How to remove your Ex-Spouse from your mortgage

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Many Loan Officers and real estate agents will have you falsely believe that the only way to remove your ex-spouse / SO from your mortgage is to refinance.

1. Refinancing isn't removing your ex-spouse from your loan; it's replacing one loan with another

2. FHA and VA loans are assumable

3. Conventional (conforming) loans allow a release of liability to remove an ex-spouse from the loan.

Look into items 2 and 3 before you consider refinancing.

If you have to increase your loan balance to buy out an ex-spouse, you will have to refinance.
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