Can I refinance the house removing my former spouse replacing the joint mortgage with a new one in just my name?

I’ll reprint the whole question as asked:

“I am getting divorced and have a quick claim deed on my home from my former spouse.. Can I refinance the house and get the formerly joint mortgage in just my name without any additional paperwork. I live in Florida.”

Yes, the “Quit Claim Deed”…not “quick”…everyone makes that mistake…so no worries…is all you need to show you own the property solely. As the sole owner,
you can refinance it …and should…to place the mortgage solely in your name as well. You may have to wait until the divorce is final…and probably should given you may need to prove alimony or child support payments to help qualify for the new mortgage on your own.

This “re-individualizing” your debts doesn’t only apply to the mortgage. Remember to cancel all joint credit cards and reapply as sole applicants. If you keep any accounts joint, even if the divorce decree says those debts are your spouses…and he/she makes late payments…your credit gets damaged! Don’t do it. Seperate all joint accounts as early as possible.

We have a great ebook called “Home Custody” that discusses all this…check it out. Click Here.