If I divorced and deeded over the home to my ex ut we co-signed for the mortgage, how can I get off the note?
Question Details: We divorced 8 years ago and now I'm ready to purchase a home. My understanding is that he has refinanced once.
You can only get off the note if he refinances without you or pays the note off otherwise. The mortgage is a contract among you, your ex, and the lender; it can only be changed, including to remove a person, with the agreement of all parties and the lender will never agree to let one of the people who has pay the note and who could be sued for the money out of her obligations, since that hurts the lender's interests by reducing the numbver of people who must repay it. Thus, the necessity to have the note repaid or refinanced without you.
If in the divorce, there was a settlement or decree requiring him to refinance or otherwise remove you from the mortgage, you can enforce that against him. How you enforce it will differ if it was a voluntary settelement or a court order. Consult with a family law attorney about how to do this, if there is a decree or settlement obligating him to take steps to remove you.