Divorce & Equity Buyout
Keep the House. Buy Out Their Share.
A divorce buyout refinance lets you take sole ownership of your home and remove your ex from the mortgage. I plan it around your decree and your timeline so the financing works the first time.
Oscar Acosta, Strategic Lending Advisor. NMLS #1876248. Bilingual, English and Español.
How do you buy out a spouse's share of the house in Texas?
You refinance the home into your name alone, using a refinance that pays your ex their agreed share of the equity and removes them from the loan. In Texas, an owelty lien written into the decree can let you access more of the equity than a standard cash-out refinance allows.
How it works
Three steps, no guesswork.
Planning Call
We start with a short call to map your situation, your numbers, and your goals. No pressure, just a clear read on where you stand.
Strategy and Execution
I position your file around the details that matter for your deal, then handle the lender side so you can focus on what counts.
Close with Confidence
You get a clean approval and a team that communicates in English or Spanish all the way to closing day.
Divorce buyout questions, answered
Clear answers while everything else feels uncertain.
What is an equity buyout refinance?
A new mortgage in your name only that pays off the old loan and gives your ex their agreed share of the equity, so you own the home outright and they are removed from both the loan and the title.
What is an owelty lien?
A Texas-specific tool that lets one divorcing spouse finance the buyout of the other's equity. It is created in the divorce decree and can let you borrow against equity a normal refinance could not reach.
How much equity can I pull out?
With a properly drafted owelty of partition, you can often finance up to the full agreed buyout amount rather than being capped by standard cash-out limits. We confirm the numbers against your decree and the home's value.
Do I have to qualify on my income alone?
Yes. The new loan is in your name, so we qualify you on your own income, credit, and the home's value. We look at this early so there are no surprises when it is time to sign.
Should I start before or after the decree is final?
Ideally before. The buyout language has to be written into the decree correctly for the financing to work. Bringing me in early avoids having to re-draft it later.
Can I remove my ex from the mortgage without refinancing?
Usually not. A divorce decree alone does not remove someone from a mortgage. Only a refinance, or a loan assumption where allowed, does. Until then, you both remain liable to the lender.
What clients say
Real families and professionals across Texas.
★★★★★
Oscar went to the moon and beyond for my clients. Very knowledgeable and capable, always there to answer questions when we need it. One more family is enjoying their new home. You rock!
Rita Saenz-Pragner
Realtor
★★★★★
From our first conversation through the whole process, Oscar was professional and highly knowledgeable. He made an otherwise stressful event smooth and successful. We highly recommend Oscar and the Mpire Financial team.
Mara Nieves
Home Buyer
★★★★★
Oscar nos apoyó durante todo el proceso de compra de nuestra casa con un profesionalismo excepcional. Nos explicó cada detalle con claridad y nos dio confianza en cada paso. Si tuviera que recomendar a alguien, sería a Oscar sin dudarlo.
Christian Andrade
Comprador
Keep your home, on your terms.
The buyout setup matters as much as the rate. We plan it around your decree so the financing works the first time.
Book Your Planning CallPrefer to talk now? Call (469) 484-7608