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Updated about 11 years ago on . Most recent reply

Nick G.'s profile image
Nick G.'s profile image
Nick G.
  • Lender
  • from NY / FL
  • Member since Feb 28, 2013

User Stats

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Nick G.'s profile image
Nick G.'s profile image
Nick G.
  • Lender
  • from NY / FL
  • Member since Feb 28, 2013
Nick G.
  • Lender
  • NY / FL
44
Votes |
240
Posts
Private Lending & Conventional Mortgage Advice

How long before removing a co-signer off mortgage?

Nick G.
  • Lender
  • NY / FL
Posted

Hey Everyone, 

Typically how long before removing a co-signer off a conventional owner occupied mortgage? 

Is this usually done by just an addendum or do you have to refinance?

  • Nick G.
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    Fred Heller's profile image
    Fred Heller's profile image
    Fred Heller
    • Real Estate Agent/Property Management
    • from Houston, Texas
    • Member since Aug 30, 2014

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    Fred Heller's profile image
    Fred Heller's profile image
    Fred Heller
    • Real Estate Agent/Property Management
    • from Houston, Texas
    • Member since Aug 30, 2014
    Fred Heller
    • Real Estate Agent/Property Management
    • Houston, TX
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    Fred Heller
    • Real Estate Agent/Property Management
    • Houston, TX
    Replied

    There's no upside to the bank to remove a co-signer from the mortgage. I'm pretty sure you would have to do a refi.

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