First repay the loan, and then the two of you will go through the divorce procedures.

With the identity cards, household registers, divorce certificates, divorce agreements, and real estate certificates of both parties, go to the housing management department where the house belongs to apply for divorce and property transfer, and re-issue the real estate certificate in one party's name.

In this case, in order to solve the problem of how to transfer the mortgaged house after divorce, both parties to the divorce need to apply together to register the ownership of the divorced house and change the names of the divorced parties. They are the original spouse, and according to relevant regulations, the transferred party will continue to pay the mortgage.