There are two completely separate issues here. First, THE DEED. this shows who owns the property, who is responsible for the property taxes, who gets sued if an injury happens on the property itself. The second is the MORTGAGE. This is the lien held by the bank using the property as collateral. The person on the mortgage has agreed to pay off the lien on the property WHETHER IT BELONGS TO THEM OR NOT, It is possible that you are on the deed but not on the mortgage, or on the mortgage and not on the deed. No one can remove another person from the deed without their knowledge and written consent. I can't simply say, This is our car, now it's MY car. Or, This is our house, now it's MY house. You both must agree to having someone removed from the deed and it must be filed with the clerk of courts. This is called a QUIT CLAIM, where one person basically says, You can have it, I don't want it. This is often what is signed during divorce when one party gives up the interest in the house for other concessions, like keeping more of the 401k or other assets. It is relatively inexpensive to do. The MORTGAGE is separate. It says who is legally responsible for paying off the lien to the bank or mortgage lender. When I got divorced, I signed a quit claim to the marital house in exchange for my ex agreeing to co-sign my mortgage on my condo. He was NOT on the deed, but he agreed to pay if I went into default. He could also force the sale of the condo to satisfy the mortgage if that happened. It didn't happen. I refi'd within months as stipulated in the divorce decree.