Q: I have a co-signer on my house how can i get them off if they been acting like a delinquent
He left with two months rent and almost i almost lost the house im trying hard to keep my house
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A:
In California, removing a co-signer from a house mortgage involves a few steps, and your approach will depend on the specifics of your situation. If the co-signer has agreed to be removed, the most straightforward method is through refinancing. By refinancing the mortgage in your name alone, you effectively pay off the current mortgage, including the co-signer's obligation, and establish a new mortgage based solely on your credit and financial status.
If refinancing is not possible or the co-signer is not cooperative, you might need to explore legal options. This could involve negotiating with the lender or taking legal action to force the removal of the co-signer, but these routes can be complex and may require legal guidance.
It’s important to keep up with house payments during this process to avoid further complications. Consulting with a real estate attorney can provide you with guidance tailored to your specific circumstances and help you understand the best course of action to maintain ownership of your house.
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