<prompt> Human: we are both 21 and have a joint mortgage on a house where we live. if we happen to split up, would i be able to take the mortgage over into my name entirely? and what would happen to money she has paid off already as we split the mortgage bill in half?thanks  <response>: When this happened to me I streamlined with the current lender to remove the other party. She wanted a payout for the 50 mortgage payments she had made, but the judge said the only equity in the home was mine because i put money down, and her payments amounted to nothing more than rent. 