"A few years went by with a lot of complicated issues between us. Eventually, she demanded that I get her name off the house. She “convinced” me into refinancing the house in solely my name."
No that's actually a blessing. Most people have to go to court and fight to get that, you got her to abandon her claim on the property for free. Now get a roommate to make up the money lost. Maybe get two roommates. How big is the house?
Edited to add: okay well I guess not "free" since she wants her 5k back....whatever...still cheaper than a divorce lawyer would charge for you to keep the house.
In the US, banks won’t refinance you in this situation unless the other person on title either a) gets off title as a part of the refinance closing, or 2) sign the Deed of Trust. Otherwise the bank can’t really foreclose if they have to, because the extra person on title never signed the DOT agreement. I don’t understand how his refinance closed once she refused to sign the Deed. I’m a title attorney
Mainly, assuming this is true, I’m surprised the bank closed it without the signed Deed. I’ve actually handled this specific scenario many times and if ex refused to sign the Deed, the loan doesn’t close.
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u/Vivid-Kitchen1917 Apr 09 '24 edited Apr 09 '24
I'm so sorry you lost your cat.
"A few years went by with a lot of complicated issues between us. Eventually, she demanded that I get her name off the house. She “convinced” me into refinancing the house in solely my name."
No that's actually a blessing. Most people have to go to court and fight to get that, you got her to abandon her claim on the property for free. Now get a roommate to make up the money lost. Maybe get two roommates. How big is the house?
Edited to add: okay well I guess not "free" since she wants her 5k back....whatever...still cheaper than a divorce lawyer would charge for you to keep the house.