Do I have to refinance to remove my ex from the mortgage?

In most cases, yes. A divorce decree does not change who the lender holds responsible for the loan. Refinancing in your name alone is the usual way to release the other person.

Can alimony or child support help me qualify?

It may. Lenders generally want to see it documented in the agreement and expected to continue, and each has its own rules on how long you must have received it.

When should I call a lender?

Before the settlement is final. Knowing what you qualify for helps you agree to terms that work.

Can Max talk to my attorney?

Yes, with your permission. It often saves time for everyone.

Divorce refinance in Colorado

If you are keeping the home, the mortgage usually has to be refinanced in your name alone. Max works with you, and with your attorney, so the loan lines up with the settlement.

Call (970) 369-9191

A short call. No obligation,
no paperwork to start.

Max Henry · Senior Loan Officer · NMLS #2186109

Goal: One name on the loan
Often includes: Buying out the other spouse’s equity
Qualifying: On your own income
Timing: Coordinated with the settlement

Who it is for

A spouse who is keeping the home
Attorneys, mediators and financial advisors whose clients need a lending answer before they settle
Anyone who needs to know what they can qualify for on one income before agreeing to terms

What it takes

Qualifying on your own: The lender looks at your income and debts alone. Knowing this number early helps you negotiate terms you can actually carry.
Support income: Alimony or child support may count as qualifying income when it is documented in the agreement and expected to continue. Lenders have specific rules on this.
The buyout: If you owe your former spouse a share of the equity, the refinance can provide the cash to pay it.
The paperwork: Lenders usually need the separation agreement or the divorce decree. Max tells you which documents and when.
Title: Removing a name from the loan and from the title are separate steps. Your attorney handles the title.

General guidelines. Lenders set their own requirements, and Max confirms what applies to you.

Talk to a lender before you settle

A settlement that gives you the house only works if you can qualify for the loan. A short call before the agreement is final can tell you what payment you can carry on one income, whether support income will count, and how much equity you can pay out. Max is glad to speak with your attorney or mediator directly.

Max is a loan officer and does not give legal or tax advice.

On the call with Max

This refinance has a deadline, and your attorney and your former spouse are waiting on it too. Max plans the loan around your settlement dates.

Tell Max where things stand. He tells you what you can qualify for on your own and which documents the lender will need. Options from different lenders side by side, including how each treats support income.

Divorce refinance questions

Do I have to refinance to remove my ex from the mortgage?: In most cases, yes. A divorce decree does not change who the lender holds responsible for the loan. Refinancing in your name alone is the usual way to release the other person.
Can alimony or child support help me qualify?: It may. Lenders generally want to see it documented in the agreement and expected to continue, and each has its own rules on how long you must have received it.
When should I call a lender?: Before the settlement is final. Knowing what you qualify for helps you agree to terms that work.
Can Max talk to my attorney?: Yes, with your permission. It often saves time for everyone.