[David]

My divorce was final in 2012, I kept the house, and the final divorce agreement states that . The mortgage is in both our names and I'm trying to get my ex-wife’s name off the loan. My bank is telling me I have to reapply for the loan with all the costs associated with that. I don’t see why they can’t just take her name off the loan and be done with it.

The options I see are to pay the bank for the new loan origination fees, take out a new loan (refinance), or just pay off the loan. I only have 4 years and 7 months left on the loan so I’m thinking of just paying it off if there are no options that don’t involve new loan fees.

Any suggestions?