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my husband and I are both on mortgage can just he be on refinance?

by shannongray781 from Naperville, Illinois. Sep 5th 2014 Reply


Marty Stern (rubicon1020)
#439 ranked lender in California - 74 contributions

Yes, this is done all the time - usually the best way for one person to get off of the loan. Of course, you have to make sure that your husband can qualify for the mortgage alone, on just his income. (But if you're doing a FHA refinance, your debts are factored in, but now your income.) Just let your loan officer know this is what you want to do.

Sep 5th 2014
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John Paunan (jpaunan)
#23 ranked lender in Illinois - 22 contributions

Yes, as long as he has enough income to qualify for the loan by himself. You can either choose to remain on title or waive your homestead rights as well.

Sep 5th 2014
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Jason Vondrak (jvondrak)
#220 ranked lender in California - 1,741 contributions

Yes, as long as your husband meets the qualification requirements to be on the loan on his own, he can just be on the refinance.

Sep 5th 2014
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Barb Lanis (BarbLanis)
#69 ranked lender in Illinois - 679 contributions

Yes, he can refinance and be the only borrower. Assuming he qualifies for the mortgage alone, there should be no problem.

Sep 5th 2014
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Dave Metsker (DaveMetsker)
#35 ranked lender in Oregon - 2,318 contributions

You will need to deed off the ownership title at closing, but you can be added back on ownership the next day.

Sep 5th 2014
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William J Acres (William_Acres)
#74 ranked lender in Arizona - 8,728 contributions

Yes, but you will have to sign to release yourself from the title (you can be added back on title one day after close) Also, he will need to qualify on his own and he can only use his income, your income, if any, will not be considered.. I'm a Broker here in Scottsdale AZ and I only lend in Arizona. If you or someone you know is looking for financing options, feel free to contact me or pass along my information. William J. Acres, Lender411's number ONE lender in Arizona. 480-287-5714 WilliamAcres.com

Sep 5th 2014
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Phil Dumouchel (PhilDu)
#32 ranked lender in South Carolina - 2,249 contributions

As others are saying, it should not be a problem depending on his qualifications. Can't see any reason why you'd have to be released from the title - you should be able to stay on with no problem.

Sep 6th 2014
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