Getting a mortgage on a home I already own - but getting divorcedI am getting divorced. I am on the deed, but not on the mortgage. My husband is willing to sign the house over to me. As I understand it, I would just need to get a mortgage for the outstanding balance of the current mortgage. So would be applying for a new mortgage or a refinance? Can I use the equity in the house to pay off any outstanding debts? Will the equity be considered a down payment? will I need to pay closing costs as well?ThanksAugust 09 2012 - Barclay-Kingston00YesReport a ProblemProblemSelect oneOffensive contentIrrelevant contentSpam (pure self-promotion)OtherDetailsYour emailPlease enter a valid email address.Submit CancelContent flaggedWe will review this content. Thanks for helping make the site more useful to everyone. To learn more, read Zillow's Good Neighbor Policy.We're sorry. This service is temporarily unavailable. Please come back later and try again.