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Paula Waterman from Castle Rock Mediation and Chris Waterman, the Denver mortgage expert, discuss the differences between the mortgage and title during divorce proceedings. They address a common question regarding property ownership when one spouse wants to keep the house while the other leaves. It's essential to understand that removing someone from the mortgage and title are separate processes. A quitclaim deed can remove a person from the title, indicating ownership, but does not affect the mortgage obligation. The title identifies who owns the property, while the mortgage pertains to the financial responsibility associated with it.
