I am trying to refinance my house. It was purchased during my marriage, but my ex has since signed a quit claim and so my name is the only one on the house presently. My name is also the only one on the mortgage loan. My ex and I are separated, but are not yet divorced.
My mortgage company sent the paperwork for the new loan for my signature to finalize everything. My ex’s name is still on all the paperwork, and requires her signature despite my having presented them with copies of all the documentation showing my sole ownership in the property. They tell me that because the property was purchased before the separation, that the free trader does not apply, even with the Quit Claim deed. I do not agree with this assessment, but I’m in no real position to argue the point at this juncture.
My question is, if I can convince my ex to sign this refinance paperwork, will she somehow end up back on the deed to the house? All of the signature lines with her name do say that it is for acknowledgment of the loan only and does not commit her to the loan, but does that also apply to her ownership interest in the house? I tried to get them to re-issue this loan paperwork with my name on it, but they refuse to do so despite my documentation.
I just want this all behind me, any help is appreciated, thanks.