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Reply to "Can I get soon to be exH off the mortgage without refi if I make more than we made combined when we took the loan?"
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[quote=Anonymous][quote=Anonymous]Might be possible if it's assumable- generally FHA/VA loans are assumable. But very unlikely a conventional one is. Might be able to write a removal of mortgage responsibility into the divorce decree? Ex would still be on the loan then, but would have the legal ability to push any obligations back on to you per the decree/agreement. But would still have personal credit risk.[/quote] You would have to give up something pretty big for him to agree to this. Basically the lender can still come after him but he can then come after OP. Of course, if OP defaults on the loan odds are she doesn't have any money so its a worthless remedy. It will also impact his DTI if he wants to buy a house.[/quote]
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