Assumability is based on your loan’s investor and the language in your loan documents. If permissible, a mortgage assumption can remove a co-borrower in a divorce. Additionally, the remaining borrower must meet certain requirements, including credit and debt-to-income, to qualify on their own.

Please contact us to begin the process. Refer to our Contact Information page for details.

Fees vary by location, but may include:

• Assumption fee
• Recording fee
• Taxes
• Settlement fees
• Homeowners Insurance
• Notary fees
• Title fees
• Attorney fees (if required)
• Other third-party fees

We can only assist with mortgage assumptions for loans that we currently service. You may qualify for an assumption if:

• The mortgage is at least one year old.
• All payments and loan terms are up to date.
• Only first mortgages can be assumed.