Can you sell your house with a joint mortgage with you ex partner on it?

Suppose you are going through a divorce and your ex lives somewhere else and hasn’t paid anything towards the mortgage from quiet sometime. And now you can’t pay the whole mortgage and want to sell your house.

In most places, this will be difficult. The ex must agree to the sale and the mortgage company must be paid off. Depending on your state, there may be certain ways to do this, but you really need the services of an attorney.

Well, basically to sell a house it has to be a freehold so you will still have to pay the mortgage off completely till it is freehold or you will have to rent the property out to a tenant and live somewhere else to help pay it or you can give rooms to lodgers in your home to help you.

The only thing you can do is to contact the estate agent you bought the house from and the mortgage company you went to . If you do try to sell your home even though it is mortgaged because you havea debt on the house that will take priority.

The house will need to be valued plus depending on how much off the mortgage you have paid the proceeds of the sale will go towards paying the debt and you may not have much left from it to buy another property.

Moreover, you need your Ex’s signature to agree to the sale. Contact him/her and explain that the property is becoming a noose around your neck. Probably the thought of half of the proceeds from the sale of the house will spur him/her on to agreeing to the sale. And s/he is entitled to half even if s/he has not been paying him/her dues.
No one will win and your partner can’t sell from under you either. Get your lawyer to look into it and see what they can do otherwise. The only people that can do anything is have the bank forclose and lose it and it will ruin him/her credit too


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