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You don't HAVE to do anything. She has no claim to the house if she is still on the loan. The finalized divorce decree is enough. The lender will not drop her off the loan, they originated the loan with her on the hook, and the courts cannot make the lender drop her off their loan, they want her on there still.
The only person who gets hurt in this deal in reality is the Ex- she can't do anything with getting a new house since she still has a mortgage under her name, if she tries to qualify for a new loan, they have to count the OLD mortgage against her DTI, which usually means she's ****ed.
If you are a nice guy- pay off loan with cash, if you are not, just insist you can't refi and that's that. Continue paying the note.
rjp
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In the movies only bad guys sleep in king size beds.
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