Yes, you can quit-claim a deed on a property that still has a mortgage, but the deed changes ownership only and the loan stays exactly where it is. You're allowed to take yourself off title, or add someone, at any time. Two consequences to understand before you record: - You can stay liable for a house you no longer own. If you quit-claim your interest to someone else, the mortgage remains in your name until a refinance takes you off it. Getting off title and getting off the loan are two separate events. - Due-on-sale risk. Transferring title can trip the loan's due-on-sale clause, which lets the lender call the full balance due once they discover the property changed hands. In practice, lenders rarely enforce it while payments arrive on time, but they can and occasionally do, and if they call the loan, the new owner has to refinance or face default and foreclosure. Certain transfers are protected by federal law, such as moving the property into your own living trust or to a spouse, and won't trigger enforcement. Because a quit-claim carries real ownership, liability, and tax consequences, run it past a real estate attorney or title officer before you record, so the deed does what you actually intend.