D. Ingram, Esq.
A quit claim deed is another option. Remember though, if your name is on the most recent mortgage then a quit claim deed does not relinquish you from responsibility of the mortgage debt. Some mortgage companies may be able to work around this if you have a copy of the quit claim deed and a divorce decree stating the other party (ex) is responsible for the mortgage debt.
In my opinion it would be important for the ex-spouse to refinance the home in their name.
Consult with a loan officer and/or attorney to seek the correct step. Feel free to contact me, David Eubanks, with any questions (205) 661-0811.
Linda Morris - Cardinal Realty
Unfortunately, I've experienced a divorce in my past and was in the same position. You need a copy of your divorce decree & a Quick Claim Deed. These items will allow you to purchase a new home. Your name will not be removed from the original mortgage, but it will give documentation that your ex has agreed to take all responsibilities of the property. Please call me when you decide to buy a home and I will walk you through the process. God Bless! Heath Holmes (RealtySouth) 205-529-8842