A Quit Claim without simultaneous removal from the mortgage means that if you don't make the payments she would be responsible for the debt on a property she has no ownership of.
Her name on the title has it's own implications (depending on any document describing the way the property is owned/shared by the two of you). If either of you get sued the property could be a target. When you go to dispose of the property (sell it) she could claim an interest (after all she owns part of it, no matter who made the payments, unless prior contrary arrangements were made).
1. You could attempt to Assume the mortgage in your own name if it is an FHA loan as all FHA loans are assumable with qualifying. You would need to call your current lender to request and complete an assumption package, which is basically a full mortgage application. Bear in mind that you would need to qualify on your own income for the full mortgage payment for this to be successful.
2. You could refinance by yourself, again qualifying under your own steam, or have another family member replace your girlfriend as a Non-Occupying co-mortgagor.
3. You could sell the home
If none of these are feasible you could:
4. You could leave her on the mortgage, have her Quit Claim her interest to you and create a paper trail, documented with 12 months worth of canceled checks, that you are making the payments without her help. In that case she would be eligible to buyer another property and we would not need to consider your mortgage payment against her in the debt ratios.
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All the Quit Claim Deed will do will transfer any claim she has to the property to you. It won't relieve her of her obligation to pay in the event that you don't.
You can always ask. The worst they can do is . .. well, let's not get into that here.
As for the MORTGAGE, as far as I know, those papers cannot be changed unless you refinance in some way. You should check with your lender/bank and see what they might be willing to do to help you out with this. If she's off the title, why would she still agree to be held responsible for the payment? See what I mean? If I were agreeing to be taken off the title, I would want the other "person" to get a new mortgage that did not include my name. In other words, having claim to the payment means you should also have claim to the asset. So, if she relinquishes her claim on the asset, she won't want to have to be responsible for the payment. I think you'll need to talk things over to come to an agreement. Make sense?
Unfortunately, and to the best of knowledge, you can't. Both of yours credit, income and assets were utilized to secure the mortgage note and will require you both to go through a similar refinancing process to properly/legally remove her from the obligation and show that you are now qualified and capable of handling the debt responsibility solely.