During a divorce, you can handle the mortgage in three ways. 1. If you wish to continue to own the house, you could try buying out your ex’s equity with the help of your mortgage provider. 2. If your ex wants their name removed from the mortgage, you could try refinancing it by taking a loan under your name. Keep in mind that it can be extremely difficult to refinance a joint mortgage by seeking a loan with only one borrower’s individual’s credit score. 3. In most circumstances, the best way to tackle the mortgage debt in divorce is to sell the property and use any equity to pay off the mortgage.