{"id":16083,"date":"2025-09-10T03:52:35","date_gmt":"2025-09-10T07:52:35","guid":{"rendered":"https:\/\/ibuyer.com\/blog\/?p=16083"},"modified":"2025-09-10T03:52:35","modified_gmt":"2025-09-10T07:52:35","slug":"assumable-mortgage-divorce","status":"publish","type":"post","link":"https:\/\/ibuyer.com\/blog\/assumable-mortgage-divorce\/","title":{"rendered":"Mortgage Loan Assumption After Divorce: What to Know"},"content":{"rendered":"\n<p>Divorce is hard enough without a mortgage tying things up. If you&#8217;re wondering what happens to your home loan when one of you wants to keep the house, you&#8217;re not alone.<\/p>\n\n\n\n<p>One option that pops up a lot is mortgage assumption. It sounds simple, you take over the loan, your ex walks away. But it\u2019s rarely that clean.<\/p>\n\n\n\n<p>The rules are fuzzy. Lenders aren\u2019t always clear. And the costs? They can sneak up on you if you\u2019re not careful.<\/p>\n\n\n\n<p>This guide breaks down everything you need to know, from how assumptions work to whether it\u2019s even possible with your current loan.<\/p>\n\n\n\n<p>And if the process feels like more stress than it\u2019s worth? You can always see what your home\u2019s worth with a data-backed cash offer from <a href=\"https:\/\/ibuyer.com\/\" target=\"_blank\" rel=\"noreferrer noopener\">iBuyer.com<\/a>. No listings. No showings. Just options.<\/p>\n\n\n\n<div class=\"wp-block-yoast-seo-table-of-contents yoast-table-of-contents\"><h2>Mortgage Assumption After Divorce<\/h2><ul><li><a href=\"#h-what-is-a-mortgage-loan-assumption-in-a-divorce\" data-level=\"2\">What Is a Mortgage Loan Assumption in a Divorce?<\/a><\/li><li><a href=\"#h-when-is-a-mortgage-assumable-during-divorce\" data-level=\"2\">When Is a Mortgage Assumable During Divorce?<\/a><\/li><li><a href=\"#h-pros-and-cons-of-assuming-the-mortgage-instead-of-refinancing\" data-level=\"2\">Pros and Cons of Assuming the Mortgage Instead of Refinancing<\/a><\/li><li><a href=\"#h-the-mortgage-assumption-process-step-by-step\" data-level=\"2\">The Mortgage Assumption Process Step by Step<\/a><\/li><li><a href=\"#h-what-if-your-loan-can-t-be-assumed\" data-level=\"2\">What If Your Loan Can\u2019t Be Assumed?<\/a><\/li><li><a href=\"#h-reilly-s-two-cents\" data-level=\"2\">Reilly\u2019s Two Cents<\/a><\/li><li><a href=\"#h-assuming-the-mortgage-in-divorce-smart-move-or-risky-bet\" data-level=\"2\">Assuming the Mortgage in Divorce: Smart Move or Risky Bet?<\/a><\/li><li><a href=\"#h-frequently-asked-questions-nbsp\" data-level=\"2\">Frequently Asked Questions\u00a0<\/a><\/li><\/ul><\/div>\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Instant Valuation, Confidential Deals<\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">with a Certified <span class=\"d-inline-block\">iBuyer.com Specialist.<\/span><\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\"><path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path><\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete5\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn5\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\"><path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path><\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu5 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue5\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          Sell Smart, Sell Fast, Get Sold. <span class=\"d-inline-block\">No Obligations.<\/span>\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-is-a-mortgage-loan-assumption-in-a-divorce\">What Is a Mortgage Loan Assumption in a Divorce?<\/h2>\n\n\n\n<p><a href=\"https:\/\/www.rocketmortgage.com\/learn\/what-is-an-assumable-mortgage\" target=\"_blank\" rel=\"noreferrer noopener\">A mortgage loan assumption<\/a> means one spouse takes over the existing home loan after the divorce. That person becomes solely responsible for the payments and the debt.<\/p>\n\n\n\n<p>It sounds easy, just swap the names, right? Not quite. You\u2019ll need the lender\u2019s OK first. They have to agree to release the other spouse from the mortgage note.<\/p>\n\n\n\n<p>This usually happens as part of the divorce decree. If you\u2019re keeping the house, you\u2019ll need to show the court and the lender that you can afford the loan on your own.<\/p>\n\n\n\n<p>Also, remember this doesn\u2019t change the original mortgage. It just shifts who\u2019s legally tied to it.<\/p>\n\n\n\n<p>Assuming the loan might save money compared to refinancing, especially if your interest rate is low. But it&#8217;s not free, and it comes with rules. We&#8217;ll get into those next.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-when-is-a-mortgage-assumable-during-divorce\">When Is a Mortgage Assumable During Divorce?<\/h2>\n\n\n\n<p>Not all mortgages can be assumed. That\u2019s the first thing to know. Most conventional loans have a due on sale clause. That means if the home&#8217;s ownership changes, the lender can call in the full balance.<\/p>\n\n\n\n<p>But some government-backed loans, like FHA, VA, and USDA, are assumable. These usually let a spouse take over the loan during a divorce without triggering that clause.<\/p>\n\n\n\n<p>Even then, the lender has to approve it. They\u2019ll want to check your income, debt, and credit score. If you don\u2019t meet their standards, they can say no, even if the loan type is assumable.<\/p>\n\n\n\n<p>There\u2019s also the Garn-St. Germain Act. It protects certain transfers, like those in a divorce, from triggering the due on sale clause. But it doesn\u2019t guarantee assumption approval. It just keeps the lender from forcing a payoff right away.<\/p>\n\n\n\n<p>Bottom line? You need to know your loan type and talk to your lender early.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-pros-and-cons-of-assuming-the-mortgage-instead-of-refinancing\">Pros and Cons of Assuming the Mortgage Instead of Refinancing<\/h2>\n\n\n\n<p>Assuming the mortgage can feel like the smoother option, especially if your interest rate is low. You skip the full loan process and keep the original terms. That means less paperwork, and often, lower costs.<\/p>\n\n\n\n<p>But there\u2019s a catch.<\/p>\n\n\n\n<p>You still have to qualify. The lender will check your <a href=\"https:\/\/www.bankrate.com\/mortgages\/improve-credit-before-mortgage\/\" target=\"_blank\" rel=\"noreferrer noopener\">credit score<\/a>, income, and debt load. If you don\u2019t meet their standards, you\u2019re back to square one.<\/p>\n\n\n\n<p>And even if you do qualify, you might still owe your ex. That\u2019s where home equity and buyout payments come in. You could be looking at a lump sum just to take over the loan.<\/p>\n\n\n\n<p>On the flip side, <a href=\"https:\/\/ibuyer.com\/home-equity-refi\/how-much-does-it-cost-to-refinance-your-house.html\" target=\"_blank\" rel=\"noreferrer noopener\">refinancing<\/a> gives you a clean slate. The loan is entirely yours, no ties to your ex. But you\u2019ll likely get a higher interest rate, and closing costs can add up fast.<\/p>\n\n\n\n<p>Here\u2019s a quick breakdown:<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Assumption<\/strong><\/td><td><strong>Refinance<\/strong><\/td><\/tr><tr><td>Keeps original interest rate<\/td><td>New interest rate (usually higher)<\/td><\/tr><tr><td>May have lower fees<\/td><td>Higher <a href=\"https:\/\/ibuyer.com\/blog\/closing-costs-with-cash-offers\/\" target=\"_blank\" rel=\"noreferrer noopener\">closing costs<\/a><\/td><\/tr><tr><td>Lender must approve you<\/td><td>Full new loan application<\/td><\/tr><tr><td>Still may owe equity to ex<\/td><td>You choose loan terms &amp; length<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>Both options have trade-offs. The right one depends on your finances, and your future plans.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-the-mortgage-assumption-process-step-by-step\">The Mortgage Assumption Process Step by Step<\/h2>\n\n\n\n<p>If your loan is assumable and the lender\u2019s open to it, here\u2019s how things usually go:<\/p>\n\n\n\n<p><strong>Step 1: Review your mortgage paperwork.<\/strong><strong><br><\/strong>Find out if your loan allows assumptions. Look for language about a due on sale clause or check directly with your lender.<\/p>\n\n\n\n<p><strong>Step 2: Talk to the lender.<\/strong><strong><br><\/strong>Call them before the divorce is finalized. Ask if they&#8217;ll allow a loan assumption and what documents they need.<\/p>\n\n\n\n<p><strong>Step 3: Gather your info.<\/strong><strong><br><\/strong>You\u2019ll need proof of income, tax returns, credit history, and sometimes the divorce decree. They\u2019re checking if you can make the mortgage payments alone.<\/p>\n\n\n\n<p><strong>Step 4: Apply for assumption.<\/strong><strong><br><\/strong>This part feels like a mini-mortgage application. Some lenders charge fees, ask up front.<\/p>\n\n\n\n<p><strong>Step 5: Finalize the paperwork.<br><\/strong>If approved, you\u2019ll sign <a href=\"https:\/\/www.investopedia.com\/terms\/a\/assumption_clause.asp\" target=\"_blank\" rel=\"noreferrer noopener\">an assumption agreement<\/a>. The lender then releases your ex from the mortgage note.<\/p>\n\n\n\n<p>Pro tip: Don\u2019t assume the lender will be quick. This can take weeks, and the process isn\u2019t always transparent. Be patient but persistent.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-if-your-loan-can-t-be-assumed\">What If Your Loan Can\u2019t Be Assumed?<\/h2>\n\n\n\n<p>If your lender says no, or if your loan just isn\u2019t assumable, you still have options.<\/p>\n\n\n\n<p><strong>Refinancing the mortgage<\/strong> is the most common path. You apply for a new loan in your name only. This clears your ex from the debt but may come with higher interest rates and closing costs.<\/p>\n\n\n\n<p>Another option? Tap into your home equity. A <a href=\"https:\/\/ibuyer.com\/home-equity-refi\/how-much-equity-can-i-borrow-from-my-home.html\" target=\"_blank\" rel=\"noreferrer noopener\">HELOC<\/a> or cash-out refinance can help you pay out your ex\u2019s share and keep the home. But again, you\u2019ll need solid credit and income to qualify.<\/p>\n\n\n\n<p>If neither works, it might be time to sell the marital home. That can feel like giving up, but for many divorcing couples, it\u2019s the cleanest break.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-reilly-s-two-cents\">Reilly\u2019s Two Cents<\/h2>\n\n\n\n<p>I\u2019ve helped quite a few folks sell homes during divorce, and let me tell you, it\u2019s never just about the house. Emotions run high, and things can get messy fast, especially when both names are still on the mortgage.<\/p>\n\n\n\n<p>Here\u2019s what I\u2019ve seen work: talk to your lender before the divorce is final. You\u2019d be surprised how many people skip this and get stuck later. It\u2019s way easier to plan when you know what your options really are.<\/p>\n\n\n\n<p>Also, don\u2019t assume keeping the home is always the best move. It might feel right emotionally, but financially? It could stretch you thin. Look at the full picture, monthly payments, <a href=\"https:\/\/www.quickenloans.com\/learn\/home-equity-and-how-to-use-it\" target=\"_blank\" rel=\"noreferrer noopener\">equity<\/a>, future repairs, before signing up for long-term stress.<\/p>\n\n\n\n<p>And one more thing: document everything. Lenders want clear proof, and courts do too. Save yourself the headache and stay organized from day one.<\/p>\n\n\n\n<p>If the assumption process feels like a wall, don\u2019t be afraid to pivot. Sometimes, walking away clean and starting fresh is the smartest path forward.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-assuming-the-mortgage-in-divorce-smart-move-or-risky-bet\">Assuming the Mortgage in Divorce: Smart Move or Risky Bet?<\/h2>\n\n\n\n<p>Assuming the mortgage can be a smart move if you want to stay in the home, lock in a low rate, and avoid refinancing headaches. But it only works if the lender says yes, and if you\u2019re in a financial spot to handle the loan on your own.<\/p>\n\n\n\n<p>On the other hand, refinancing or selling might give you a cleaner break. They come with their own pros and cons, but for many divorcing couples, they\u2019re more realistic paths.<\/p>\n\n\n\n<p>There\u2019s no one-size-fits-all answer here. It all depends on your income, your credit, and your long-term plans. So take a breath, weigh your options, and don\u2019t rush the decision.<\/p>\n\n\n\n<p>And if you don\u2019t want to wait on the market? iBuyer.com can make a <a href=\"https:\/\/ibuyer.com\/blog\/cash-offer-on-house\/\" target=\"_blank\" rel=\"noreferrer noopener\">cash offer<\/a>, fast. You pick your close date, skip showings, and move on with no drama.<\/p>\n\n\n<div class=\"card my-5 shadow-lg\">\n  <div class=\"card-body py-md-4\">\n    <div class=\"row align-items-center justify-content-center py-md-3 py-lg-2 py-xl-3\">\n      <div class=\"col-12\">\n        <p class=\"mb-4 h3 text-center\">\n          <span class=\"h4 text-primary font-weight-bold\">Compare Cash Offers from <span class=\"d-inline-block\">Top Home Buyers.<\/span><\/span>\n          <span class=\"mt-2 d-block font-weight-normal text-muted\">Delivered by Your Local iBuyer <span class=\"d-inline-block\">Certified Specialist.<\/span><\/span>\n        <\/p>\n      <\/div>\n\n      <div class=\"col-12\">\n        <div class=\"ui-v2 search-address-form bg-white py-0\">\n          <div class=\"row justify-content-md-center\">\n            <div class=\"col-12 col-md-7 pr-md-2\">\n              <div class=\"input-group mb-0 shadow-sm\">\n                <div class=\"input-group-prepend\">\n                  <div class=\"input-group-text bg-white border-right-0\">\n                    <div class=\"icon\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-geo-alt-fill\" viewBox=\"0 0 16 16\">\n                        <path d=\"M8 16s6-5.686 6-10A6 6 0 0 0 2 6c0 4.314 6 10 6 10zm0-7a3 3 0 1 1 0-6 3 3 0 0 1 0 6z\"><\/path>\n                      <\/svg>\n                    <\/div>\n                  <\/div>\n                <\/div>\n\n                <input type=\"text\" id=\"autocomplete4\" class=\"form-control form-control-lg px-0\" placeholder=\"Enter your home address\" autocomplete=\"off\" v-on:change=\"onAddressChange($event)\" v-on:keydown.enter=\"searchMyAddress($event)\" onfocus=\"this.autocomplete='smartystreets'\">\n\n                <div class=\"input-group-append\">\n                  <div class=\"input-group-text bg-white border-left-0 p-0\">\n                    <button type=\"reset\" id=\"clear-address-btn4\" class=\"btn px-2 h-100\" name=\"clear\">\n                      <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\" fill=\"currentColor\" class=\"bi bi-x\" viewBox=\"0 0 16 16\">\n                        <path d=\"M4.646 4.646a.5.5 0 0 1 .708 0L8 7.293l2.646-2.647a.5.5 0 0 1 .708.708L8.707 8l2.647 2.646a.5.5 0 0 1-.708.708L8 8.707l-2.646 2.647a.5.5 0 0 1-.708-.708L7.293 8 4.646 5.354a.5.5 0 0 1 0-.708z\"><\/path>\n                      <\/svg>\n                    <\/button>\n                  <\/div>\n                <\/div>\n              <\/div>\n\n              <ul class=\"us-autocomplete-pro-menu4 autocomplete-menu\" style=\"display:none;\"><\/ul>\n            <\/div>\n\n            <div class=\"col-12 col-md-auto pl-md-2\">\n              <button type=\"button\" id=\"disabledHomeValue4\" class=\"btn btn-primary btn-lg btn-block mt-3 mt-md-0\" v-on:click=\"searchMyAddress($event)\" disabled=\"\">\n                Get My Home Value\n              <\/button>\n            <\/div>\n          <\/div>\n        <\/div>\n\n        <p class=\"h5 mt-4 mb-0 text-center font-weight-bold text-info\">\n          One Expert, Multiple Offers, <span class=\"d-inline-block\">No Obligation.<\/span>\n        <\/p>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-frequently-asked-questions-nbsp\">Frequently Asked Questions&nbsp;<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1756295515999\"><strong class=\"schema-faq-question\"><strong>Can I remove my ex from the mortgage without refinancing?<br\/><\/strong><\/strong> <p class=\"schema-faq-answer\">Only if your loan is assumable and the lender agrees. Otherwise, refinancing is the usual path to take a name off the mortgage.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756295523198\"><strong class=\"schema-faq-question\"><strong>How hard is it to qualify for mortgage assumption?<br\/><\/strong><\/strong> <p class=\"schema-faq-answer\">It depends on your credit, income, and the lender\u2019s rules. Some lenders are flexible, but many treat it like a new loan application.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756295532165\"><strong class=\"schema-faq-question\"><strong>What happens if my loan isn\u2019t assumable?<br\/><\/strong><\/strong> <p class=\"schema-faq-answer\">You\u2019ll likely need to refinance, sell the home, or consider an equity buyout. Not all loan types allow assumption, especially conventional loans.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756295539416\"><strong class=\"schema-faq-question\"><strong>Is mortgage assumption better than refinancing after divorce?<br\/><\/strong><\/strong> <p class=\"schema-faq-answer\">It can be, especially if your current rate is low. But it depends on your situation, lender approval, and whether you can afford the home on one income.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1756295546331\"><strong class=\"schema-faq-question\"><strong>Does assuming a mortgage affect my credit?<br\/><\/strong><\/strong> <p class=\"schema-faq-answer\">Yes. You take on full responsibility for the debt. If you miss payments, your credit score will take a hit, just like with any mortgage.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>Divorce is hard enough without a mortgage tying things up. If you&#8217;re wondering what happens to your home loan when one of you wants to keep the house, you&#8217;re not alone. One option that pops up a lot is mortgage assumption. It sounds simple, you take over the loan, your ex walks away. But it\u2019s [&hellip;]<\/p>\n","protected":false},"author":37,"featured_media":16151,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[109,4],"tags":[],"class_list":["post-16083","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-home-appraisal","category-home-selling"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Mortgage Loan Assumption After Divorce: What to Know<\/title>\n<meta name=\"description\" content=\"Learn how mortgage loan assumption works in a divorce, who qualifies, and what to do if your loan isn\u2019t assumable.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" 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\/>\n<meta name=\"author\" content=\"Reilly Dzurick\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Reilly Dzurick\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/assumable-mortgage-divorce\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/assumable-mortgage-divorce\\\/\"},\"author\":{\"name\":\"Reilly Dzurick\",\"@id\":\"https:\\\/\\\/ibuyer.com\\\/blog\\\/#\\\/schema\\\/person\\\/4a3cd59937318637b625f8f09a161213\"},\"headline\":\"Mortgage Loan Assumption After Divorce: What to 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