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how do you remove someone from your mortgage loan lets say you purchase a home a while back with a friend a family member or a docHub other and youre ready to remove them from the mortgage loan you cant call up the mortgage company and just ask them to remove them what you have to do is you have to refinance solely under your name so the only obstacle that ive seen at times is that now your income your credit has to be enough to qualify you to refinance that home only under your name so that is how you remove somebody else from the mortgage