How Do I Get My Name Off The Mortgage After Divorce?

marital homeQuestion:

I have been divorced for three years and the home my ex-wife is living in is still in both of our names.

How do I get my name off the mortgage? I want to buy a new home and do not need my name on this debt. 


While I am not licensed to practice law in your state and am unable to give you legal advice, I can give you some general observations on this issue based on the jurisdiction where I practice.

Where I do practice in Virginia, the court will generally order a specific time period that the parties have to effectuate transfers of property. If the court does not order it, then you have to work with your ex-spouse to get them to refinance the home.

If the court ordered your ex-spouse to refinance the home and has she has failed to do so, she may be in contempt of court. So, it may be in your best interest to take her to court to force her to take your name off of the mortgage. However, sometimes it is not possible to refinance. In those cases, the Court will order that the home be sold.

Division of assets after divorce is very fact-specific and requires a specialized knowledge of local law. For these reasons I would suggest you contact an attorney who specializes in family law matters in your jurisdiction.

Remember, I am unable to provide you with anything more than tips on division of assets, so please contact an attorney in your jurisdiction to obtain specific advice as to the laws of your state and how they impact your case.

To arrange an initial consultation to discuss divorce rights for men with a Cordell & Cordell attorney, contact Cordell & Cordell.

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Shawn Garrison is an Online Editor for Lexicon, focusing on subjects related to the legal services of customers, Cordell & Cordell and Cordell & Cordell UK. He has written countless pieces dealing with the unique child custody and divorce issues that men and fathers face. Through his work on,, and, Mr. Garrison has become an authority on the complexities of the legal experience and was a content creator for the YouTube series “Dad’s Divorce Live” and additional videos on both the Dad’s Divorce and Cordell & Cordell YouTube channels. Mr. Garrison has managed the sites of these customers, and fostered the creation of several of their features, including the Cordell & Cordell attorney and office pages, the Dad’s Divorce Newsletter, and the Cordell & Cordell newsletter.

2 comments on “How Do I Get My Name Off The Mortgage After Divorce?

    I have been divorced for 5 years now. My ex-husband kept the house. He will not remove my name from the mortgage he says that he cannot afford to refinance. I am dead in the water financial aid because I cannot get a house loan a car loan or anything else because he will not remove my name from the mortgage is there any way that I can do this without him. The mortgage company told me that because he is the primary person on the loan that he’s the only one that can remove My Name by refinancing. Any help in this matter would be greatly appreciated thank you, Cindy McMullen

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