Yes — you can refinance a home even if you’re not on the current mortgage, as long as you’re on title. Here’s how it works 👇 ➡️ You apply for a new loan in your own name — your ex’s loan gets paid off, ➡️ The property stays in your name, and ➡️ Your ex comes off title at closing. If a buyout is part of your settlement, you can use an Owelty (or marital) lien to pay your spouse their share through the refinance — without doing a cash-out refinance, which usually has higher rates and stricter rul
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