Now this is a very common question as many people look at a co-sign mortgage as a temporary fix to a long-term investment.
The steps to take a co-signer off title are quite simple. Through the process of refinancing your home, you can restructure your mortgage terms without that additional borrower.
When removing a co-signer from title, you will need to consider whether you can qualify for that mortgage without their income. Additionally, market factors such as your current interest rate compared to your new interest rate need to be considered. In times of higher interest rates, the increase to your monthly payment can often be corrected by increasing your amortization to 30 years.
It all comes down to proper preparation & planning.