Spousal Buyout Refinance
Navigating a Spousal Buyout? Your Mortgage Doesn't Have to Add to the Stress.
Refinancing can help you buy out a co-owner, remove a former spouse or partner from the loan, or restructure your finances — so you can move forward on solid ground, independently and with clarity.
Confidential · Free quote · No obligation
The Situation
One More Thing to Sort Out — But This One Has a Clear Path
Divorce and separation bring enough complexity without your home adding to it. Whether you're keeping the house and need to remove your former spouse from the mortgage, or you're buying out their share of the equity, a spousal buyout refinance can give you a clean, independent financial start.
What a Spousal Refinance Can Do
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Remove a former spouse from the mortgage — subject to loan approval and applicable requirements
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Explore buying out their share of the home’s equity — so you can potentially keep the home while addressing the equity owed
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Restructure your mortgage payment — based on your individual financial situation and new loan terms
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Help separate your mortgage obligations — so you can explore moving forward without your former spouse on the new loan
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Move forward with clarity — understand your mortgage options and what may be available based on your situation
How It Works
Four steps, and a real person at every one of them.
Reach Out
Call 910.227.4770 or fill out our quick form. No obligation, no pressure.
Talk Through Your Situation
A consolidation specialist reviews your current debts and home equity to see what's realistic for you.
Get a Personalized Plan
We'll walk you through what a consolidation refinance could look like — your new payment, what debts get paid off, and what it means for your monthly budget.
Close and Breathe Easier
Once approved, your qualifying debts are paid off directly, and you're left with one simple payment going forward.
You Don't Have to Navigate This Alone.
Let's talk through your siutation - privately, and with no pressure.
Who This Is For
Is a Spousal Buyout Refinance Right for You?
This may be a fit if:
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You're keeping the home after a divorce or separation and need to remove your former spouse from the mortgage
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You need to buy out a co-owner's share of home equity
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Your current joint mortgage no longer reflects your household or income
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You want a clean financial break tied to the settlement process
"Providing elite-level speed and professional certainty to every homebuyer in the Southeast."
Our Mission
Frequently Asked Questions
Can refinancing remove my former spouse from the mortgage?
Yes. A spousal buyout refinance replaces your existing joint mortgage with a new loan in your name only, releasing your former spouse from the obligation.
Do I need a finalized divorce to refinance?
Requirements vary by situation. In many cases, refinancing can begin during the divorce process, especially once a settlement agreement outlines how the home and equity will be handled. A specialist can walk you through what's needed for your timeline.
How does buying out my spouse's equity work?
If you're keeping the home, refinancing can allow you to pay your former spouse their share of the home's equity as part of the new loan, based on your settlement agreement.
Will I qualify on my own income?
Qualification depends on your individual income, credit, available home equity and other loan requirements. If you're looking to complete a spousal buyout on your own, we'll review your specific financial situation and help you understand what you may qualify for.
Is this conversation confidential?
Yes. Your situation is handled privately and discussed only with you and any other party you'd like included.
Do I need good credit to qualify?
Not necessarily. Every homeowner's situation is different, and qualification depends on several factors beyond credit alone. A free conversation with our team is the best way to know your options.
How long does the process take?
Timelines vary based on your settlement details and financial picture, but many homeowners complete the process in a matter of weeks. Call 910.227.4770 for a personalized timeline.
Is there any cost or obligation to get a quote?
No. Getting your personalized options is free and comes with no obligation to move forward.
See What a Spousal Buyout Refinance Could Look Like for You.
Takes less than 2 minutes. Confidential, no obligation.