Legal Question in Real Estate Law in Texas

Yes, you can refinance a mortgage and remove prior co-borrowers from the note. Please note that title (ownership) is not necessarily the same as the borrower. One can be liable to pay for a house one doesn't own. One can own a house that someone else is obligated to pay for. If the co-signers are not co-owners, then you can refinance, and take them off the note. It's fairly easy.

If the co-signers are on title, and you want them off, now would be a good time to make that happen. You would likely have the co-owners "deed out" at the closing.

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