Can a wife of a married couple refinance a house just under her name and have her husband be free and clear?

Dung
Yes as long as she has the credit scores necessary to get the loan and the income to qualify for the loan independant of her husband. Your problem will be in holding title to your current home you plan on refinancing. He would have to sign completely off the title leaving the home in your name only. If you qualify for the refi, he can be added back on title but would have NO responsibility for the loan repayment. Nor any owership to the property since he signed off on that prior to the refi. Good luck convincing him to put himself in that losing position..

Calvin
It depends on whos' name is on the house! If her name is on the house then YES! If the house is under his No! If the house is under both the husband can give her full ownership and then she is capable. It is just like filing for a loan, when married you can file joint or seperately. It is always safer to file seperately so that if ones credit goes bad you have the others to fall back on! Another you can do is if in his name alone he can sign the home over to you, giving you ownership, which takes 60-90days and then refinance the home.

Fernande
Yes. Many spouses refinance or buy homes in 1 name, because the other spose has bad credit or no job. Varies by state. If you have a living trust, it can still be owned by the trust.For all other ramifications, consult an attorney...

Heidy
she can...but then the house will be under her name and he will be out in the cold...(if thats where you want him...)

Brant
In most states that I have worked in, loan can be in the name of one spouse, but both spouses are usually on the title work.

Dolores
Yes I can hellp! Shoot me na memail to msmith@premierloangroup.com, and let's chat!Marty