Is it possible to remove a co-borrower on a mortgage loan without refinancing the loan?

Yes, it is possible to remove a co-borrower from a mortgage loan without refinancing, but it can be challenging. Some lenders may allow a co-borrower to be removed through a process called a loan assumption or modification, where the remaining borrower assumes full responsibility for the loan. However, this typically requires the remaining borrower to meet the lender's credit and income requirements. It's essential to check with your lender for their specific policies and procedures regarding this process.