I just got divorced and I have a FHA loan - what can I do to get my ex spouse's name off of my house?

The easiest way to get your spouse removed from your home loan is to do a FHA Streamline refinance.

The current deed or title must be used to verify all the current borrowers are listed as owners.

Deleting a borrower must be processed as a credit qualifying loan, unless one of the following exist:
 
The loan must have been legally assumed more than 6 months ago AND the remaining borrower must document that they have made the mortgage payments solely during that time. A borrower who assumed or took title, subject to an FHA insured mortgage, without the benefit of a credit review, must have owned the property for at least 6 months before becoming eligible for a streamline refinance. Verification of mortgage payments and seasoning can be shown through copies of the most recent 6 months cancelled checks
AND a copy of the Quit Claim Deed showing the transfer of ownership occurred at least 6 months prior.

OR

The property was transferred as a result of a divorce decree AND the assumption or quit claim of interest occurred more than 6 months ago AND the remaining owner occupant can demonstrate that they have made the mortgage payments during this time. For verification the following documentation is required:
• Copy of the most recent 6 months consecutive cancelled checks (Checks drawn on joint accounts involving the deleted borrower are NOT acceptable)
• Copy of divorce decree and property settlement agreement
• Copy of quit claim deed showing the transfer of ownership at least 6 months prior

Please call 602 993-0000 or email sunnations@cox.net