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The Quitclaim Deed Nightmare

Some people think if they sign a Quitclaim Deed to the family home this also releases them from any responsibility of the mortgage – it does not!  

When you sign a Quitclaim Deed you are signing away any legal rights you have to the property, but the mortgage company could care less that you signed the Quitclaim Deed – they still want their money – from you, from your former spouse or both!

Don’t get caught in the Quitclaim Deed Nightmare!

The Quitclaim Deed Nightmare, Mortgage, and Foreclosure

If you sign a Quitclaim Deed on your spousal house you are signing away any legal rights you have to the house.  

After the divorce, if your former spouse is unable to continue making the mortgage payments the house may go into foreclosure. If this happens there will be nothing you can do about it because you signed away your legal rights to make any decisions on the property – you signed a Quitclaim Deed.

This can begin the process of the Quitclaim Deed Nightmare. 

Late Payments – Damaged Credit

You may have signed a Quitclaim Deed but you’re still on the hook for the mortgage! The first month your former spouse is late with a house payment both of your FICO scores will take a hit of approximately 100 points.

If the house goes into foreclosure, both of your credit ratings will be destroyed for years to come.

Neither of you will be able to buy another house for 7-10 years.

Before You Sign the Quitclaim Deed Talk With One of Our Trusted Mortgage Professionals

Maybe we can help you avoid the Quitclaim Deed Nightmare. Before you sign a Quitclaim Deed we suggest you meet with one of our trusted mortgage professionals so you can discuss all of your options.  The consultation is provided at no charge or further obligation.  

After the meeting, you’ll have a better understanding of your options, and understanding your options lets you make better decisions.

Additional Reading, Click the Links Below: 

Removing Your Name from a Joint Mortgage and Liens Stay With the House – Debt Follows the Person

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We specialize in helping couples who plan to divorce avoid making expensive and long-lasting mistakes with their marital home.


We do this by helping people completely understand all of their options with the marital home including keeping the home, selling the home, mortgage and refinance options, and explaining why home due diligence, updated credit reports, and title searches are so important.

We explain to our clients how their decisions with respect to the home can impact their quality of life for many years to come.

We help our clients prevent credit damage and preserve their ability to buy a home in the future.  

With the information we can provide families can make better decisions and perhaps avoid making expensive and long-lasting mistakes.

Our initial pre-divorce consultations are provided at no charge.



If you use appraisals in your practice to help determine the value of a home we can show you at least two gaps in the case file that can be detrimental to your clients.

We’ll explain why house due diligence is very important to determining actual value.

We’ll explain why a CLUE report should be part of your case file.

The information we produce can bring about more cooperative clients.



We provide our initial pre-divorce consultations at no charge.

We do this in the interest of consumer protection, helping our clients protect their credit ratings and preserve their future home ownership capabilities. 

If the couple decides to sell the marital home we hope that our information has been helpful and they will consider us for the listing and mortgage or refinancing of the home and/or new homes. 

Less Than 1%

Less than 1% of all real estate agents, mortgage loan professionals, and title professionals have the Real Estate Collaboration Specialist - Divorce (RCS-D) designation. Agents without this designation could just be guessing how to advise you through this difficult time, we'll give you the facts that only professionals with our specialized training can provide.