Often yes, through a loan assumption, and divorce is one of the specific situations where even a conventional loan allows it. - FHA, VA, and USDA loans are assumable with qualifying. The remaining spouse goes to the loan servicer, documents that they qualify on their own, and assumes the loan. That releases the departing spouse from liability and keeps the original rate and terms in place. - Conventional loans (Fannie Mae and Freddie Mac) allow it in a divorce too. Federal law exempts certain transfers from the due-on-sale clause, including divorce or legal separation, death, and transfers to a spouse or child. In those cases, both agencies let the remaining spouse assume and continue the existing loan at the existing rate; a release of liability still requires them to credit- and income-qualify through the servicer. What stays barred is the ordinary arms-length sale to a stranger. ARMs are generally assumable as well. - Jumbo and non-QM loans are the tough ones. They are usually securitized and sold to many investors, so there is often no practical way to modify the note and remove a borrower. Approval runs through the servicer's underwriting and is never automatic; we have had clients who qualified financially but got tripped up by a guideline quirk. The honest reality is that many divorcing couples still end up refinancing or selling, because the remaining spouse cannot qualify solo on one income. Divorce decrees also frequently require the departing spouse to be released from the debt within a set window (12 months is common), which can force a refinance regardless of the rate you are trying to protect. Start with your servicer and confirm their current assumption process. If you want to know whether you would qualify to hold the loan alone, we can map that out with you on the Roadmap conversation.