my wife and i are on loan (morgage) for the house. im wanting to know if I can get the loan just in my name only.

Not generally on an existing loan. You can refinance and use only your name, however, if you need her income you may not qualify. Is there a specific reason you would like to do this?

She would have to be released of liability and the only way to do that is to refinance and remove her from the note and mortgage.

You can by refinancing your mortgage, so that it is only under your name.

Depending on the state that you live (i.e. community property state), you may or may not be able to remove a spouse. Speak with a qualified local mortgage professional who can discuss your personal situation as it relates to local real estate laws.

You cannot remove someone form the loan unless you refinance.. you can however remove her from title, but not the loan. This strategy would be of no benefit to her since she would lose title interest to the home, but she would still be obligated to the mortgage. Unless we know what your specific goal is, it's hard to give you specific advice.. .. 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. 480-287-5714 WilliamAcres.com

If you and your wife are currently on a mortgage together, then you both will remain on that mortgage until it's refinanced or sold. If you want to buy another house by yourself and be the only one on the mortgage, you CAN do it. What is your objective? Do you live in a community property state?Keep in mind that if you are buying another home in just your name, the payment on the joint property will count towards your debt-to-income ratio. Will you still qualify for the new mortgage? Becky RavesonSouthern Trust Mortgage (Lending in PA, DE, MD, VA, NC and SC)267-439-6034

Hello ricedonny,The simple answer is yes, but there are other factors to take into consideration like whether or not you qualify by yourself. Feel free to contact me if you wish to speak about your situation further.

It can be done, but it will have to be done in full agreement with your wife, as you do a refinance. Due to different marital laws in each state, you would be well advised to discuss this with an attorney, and depending on your income level - your tax accountant as well.After you have checked with them, you should then contact a local, licensed mortgage professional to assist you in working through the process.

You can not remove her name from your present loan, except by court action, such as bankruptcy or divorce.

Only by refinancing in your name only, and your wife would need to sign off at closing.

You cannot remove someone form the loan unless you refinance.. you can however remove her from title, but not the loan. This strategy would be of no benefit to her since she would lose title interest to the home, but she would still be obligated to the mortgage. Unless we know what your specific goal is, it's hard to give you specific advice.. .. 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. 480-287-5714 WilliamAcres.com

yes by refinancing.

If that home is a Marital residence, you can get the mortgage under your name alone, but she will still need to sign the security instruments (Mortgage, Note, Truth In lending, etc) at closing. This is in NJ however. Your state may be different. NJ is a marital state.

Assuming you qualify for the loan on your own, sure, you can get the loan in your own name... But based on the state, your wife will still have a martital interest in the property.