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removing a name from a mortgage

My spouse purchased our home before we got married. Around 3 yrs ago I had to co-sign for the mortgage because we refinanced, so my name is now on the mortgage and house. I want to get separated, can my spouse refinance again by himself (so my name gets removed)before we separate? I don`t want the house and we don`t have children. If he declares bankruptcy while we are separated/divorced will I be effected since my name is no longer on the house?

Posted from: Ontario

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One Response to “removing a name from a mortgage”

Barton Goth – Goth & Company Inc. -Trustee in Bankruptcy said...

You can very likely remove your name from the mortgage at renewal time as long as your spouse can qualify for the mortgage. If he cannot qualify then you may be in a position where you have to either sell the house or you will have to co-sign once again.