FAQ’s
Can I remove my spouse from the mortgage after divorce?
Yes — but it usually requires refinancing the loan into just one person’s name. Lenders need to see that the remaining borrower qualifies on their own income, credit, and debt-to-income ratio.
Do I have to sell the home in a divorce?
Not always. Some couples choose to sell, but if one spouse qualifies, you may be able to refinance into one name or complete an equity buyout instead.
Will divorce hurt my chances of qualifying for a mortgage?
Divorce itself doesn’t disqualify you, but financial changes — like child support, alimony, or divided debts — may impact qualification. Working with a lender experienced in divorce mortgages helps you prepare.