A homeowner needed to refinance to remove a former spouse from the mortgage after a separation, pay out their share, and clear some debt. He tried his bank, then another, and spent weeks waiting for a callback that never came. Here is what happened once he reached our team.
After a separation, he needed a refinance to take a former spouse off the mortgage, pay out their share, and tidy up some bills, with the new mortgage in his name alone. A common and time-sensitive step.
He called his bank and was transferred several times, then promised a callback that did not come for three weeks. He tried another major bank and reached voicemail again. Ten more days passed with the file no further ahead.
Someone answered the same day, including a Sunday, and stayed on the file from first message to funding.
We asked for documents once, packaged the file, and moved it to a lender without the client chasing anyone.
He was driving for work through most of it, so the process flexed to one signing stop instead of a week of visits.
If you are trying to refinance, remove a co-borrower, or free up equity and your file feels stuck, bring it to a team that answers. A licensed member of our team will follow up.
Start a conversationEvery file is different. Timelines depend on documentation, appraisal, and lender review and approval, and a refinance to remove a borrower requires that person's cooperation and qualification on the new mortgage. This scenario describes how we work, not a promised timeline or outcome. Bank and lender names are not used. Information here is general and educational, not financial, legal, or lending advice, and not an offer of financing.