"You have heard this same thing. This is a rather simple process. A standard owner occupied refi with the title work being done in his name only and a quit-claim (releasing your interest-conditional to closing the loan off course). Generally, you will have to sign the quit-claim just prior to completing the underwriting process, but the quit-claim that is prepared is conditional on the closing and non-recision of the loan under your ex's name. The struggle may be his credit or DSR. These are common..."    View Post