Refinancing to Remove an Ex-Spouse From the Mortgage: The Buyout Refinance Playbook

Refinancing to Remove an Ex-Spouse From the Mortgage: The Buyout Refinance Playbook

Douglas Wilkerson
Published on: 24/10/2026

A divorce decree and a quitclaim deed do not remove anyone from a mortgage. The buyout refinance playbook: Fannie Mae's limited cash-out rule, the 97% vs 80% LTV gap, and the Jacksonville math that makes a $55,000 buyout close.

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