Getting a Quit Claim Deed After Divorce

Getting a Quit Claim Deed After DivorceGetting a quitclaim deed after divorce is necessary to remove a spouse’s name from the property title and mortgage

Q: When I was married, my wife and I purchased a home with a VA loan. My wife and I later divorced and I was awarded the home in the divorce and it states so in the divorce decree.

My lender will not accept my divorce decree without permission from the VA. The VA also will not accept my divorce decree and wants a letter from my ex-wife stating that she relinquished her rights to the home, which she refuses to sign.

My question is, after I pay off the home, how can I get her name off the title?

A: You must separate the issues: There is a big difference between the ownership of your home and the debt obligation to your lender.

When you contact your lender or the VA, they will automatically assume you are calling them to see if you can get your former wife’s name off the mortgage to the home. From your perspective, you may not care if your former wife’s name is on or off your mortgage. You should only care that her name is no longer on the title to the home.

Usually people going through divorces forget to get a quitclaim deed from their former spouses transferring any interest the former spouse has in the home to the spouse given the home in divorce.

You have a divorce decree that says that you get sole ownership of the home. However, the land records where you live show you owning the home with your former spouse. You need to get your former spouse to sign the quitclaim deed to show you as the sole owner of the home. She can refuse to sign the deed, but you can ask the attorney that represented you in the divorce to go before the judge and get a court order that requires your former spouse to sign the deed. If your spouse refuses, the court may be able to issue a deed on your spouse’s behalf that you would be able to record.

Once you have that document, you can record or file it in the office that handles real estate records in your municipality, the property records will match the divorce decree and show you as the sole owner of the property.

Even if you are the sole owner of the property, you and your former spouse are still obligated to repay the loan. Your lender will report your timely payments to the credit reporting bureaus and will report any late payments as well. That payment history will be part of your credit report as well as your former spouse’s credit history, as your former spouse is still on the loan with you.

However, once you obtain the quitclaim deed and it is recorded, you can go back to your lender and the VA and have the loan changed to show you as the sole borrower on the loan. To convince your former spouse to sign the documents, you can always say that you need the quitclaim deed to get her name off the loan.


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3 Responses to Getting a Quit Claim Deed After Divorce

  1. Paula says:

    You say:
    However, once you obtain the quitclaim deed and it is recorded, you can go back to your lender and the VA and have the loan changed to show you as the sole borrower on the loan. To convince your former spouse to sign the documents, you can always say that you need the quitclaim deed to get her name off the loan.

    This is the situation I am in as the wife of Veteran. I am co-signer on the loan, and hold joint title to the house. As part of our divorce, I am willing to give him quitclaim deed so he is sole owner of the house after the divorce, BUT I WANT TO BE ASSURED THAT I AM RELEASED AS CO-SIGNER. You seem to be saying that I should just give him the deed and he can “have the loan changed”. How can I assure myself this will happen, and I dont get stuck with no house but a nice loan obligation.

    I am not being mean to a vet. I don’t live in the house which he has been enjoying himself for years. Sometimes I have to make the mortgage payment for him. I need this to stop and I need to get off the loan.

    This is complicated by the fact that he is behind in his mortgage payments. He is working on a payment plan, but how can the payment plan be made in conjunction with my being released from the loan. Is being in arrears going to be a hinderance to this type of restructuring. In other words, if we are having difficulty bringing this current now, will they prevent me from being released from the loan until it is current, which might not happen anytime soon.

    In short, how can we handle this at minimum expense and as quickly as possible. Thanks very much for your input.

  2. Linda says:

    Dissolution was in May of 2006. Both our names are still on deed to home. Home is paid for though. I don’t want home an would like to get my name off deed but can I get compensated with $ for doing this?. I mean can I legally ask for an amount from my ex for exchange

  3. Daniel says:

    My wife signed off on the home and the land in the divorce 16 years ago. It states in the divorce it was final and done without duress. Also Signed by the Judge, myself, ex wife, and ex wife’s Uncle as a witness. We had just purchased the home and land before the divorce in both of our names. I paid all the payments on everything since she left. She may have paid some in the first year. I have all of my receipts for everything over the last 16 years. She paid nothing. Now that I am ready to get my land paid off she is refusing to sign the quit deed and says she wants me to pay her 15,000 dollars to sign the property over. Threatening me saying she will take my land and home. Her name is on the contract to the land, and the mortgage to the home. Again she hasn’t paid on it for at least 15.5/16 years. Where does she stand and can the court force her to sign the quit deed 16 years later after I pay everything off?

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