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Getting a Mortgage After Divorce

Refinancing A Departing Spouse off Your Mortgage Loan

A couple making financial decisions during divorce

Divorce is an ugly word, however, certain steps need to be taken so that both you and your departing spouse can both go on with your lives. Refinancing off your departing spouse is vital for both of you to move on. Here are some steps you can start taking now to ensure that the refinance is not a difficult one.

  1. Make sure your departing spouse is on the loan and the title. If only on the title, then you will not need to mortgage refinance. You can simply do a quit claim deed from a notary, deeding her/him off the property.
  2. Have your separation agreement in writing and fully executed and signed, so the new lender can see exactly who is getting to keep the home.
  3. Decide exactly how much equity (cash), if any you are going to give your departing spouse, a document that in the separation agreement.
  4. If you are getting divorced in addition to getting separated, then we will need a copy of the signed divorce decree as well.

For a FREE mortgage refinance analysis in Denver, including credit report and comparable research on your home, please fill in some basic information below, and we will be back to you shortly.

Contact Brian Today!

(720) 524-3215
Brian Quigley Denver Mortgage Broker Profile Photo

Hello, my name is Brian Quigley and I have been in the Denver mortgage industry since 2003. I have been fortunate enough to choose this very rewarding mortgage broker career and help thousands of borrowers over the years. Customer satisfaction is important to me most, and getting my clients to the closing table smoothly. Read More…

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