How in the world do you get out of being on the home loan when the other person can't qualify to refinance the house on their own salary & the house is so upside down in it's value that there's no way.

I left him 6 years ago....moved 2100 miles away & took my inheritance, purchased my own farm & basically walked away from the horrible marriage after 33 years......he managed to quit paying the property taxes then the house payment without saying a word to me about it......(after getting mad at him for not communicating to me when I first left about the IRS back taxes he had blown on my inheritance).....he never communicated when we were married either.....It just took getting my inheritance to be able to leave him after loosing my engineering career.

So now I'm sitting with my farm......& he ended up getting a loan modification....but it didn't remove me from the loan even though he qualified for it with on his own salary, it was just a modifiation, not a new loan.....so I'm still stuck on it & if he blows it again.....I could end up loosing my farm because of his financial incompetence.

So I am getting the divorce going...started it last fall, but with the loss of several of my dogs, I didn't have the patience to deal with him on negotiating about the assets..most of which I am just leaving since there is almost no way of moving my furniture 2100 miles across country......

But I want off the house...I want out of anything that financially ties me to him because he's so absolutely irresponsible even at the age of 61....he never grew up or learned how to be financially responsible or how to communicate about anything.

Just really curious how others are able to get off the house they owned together when it isn't possible to sell it & the other person isn't able to qualify for a refi????

Yep, wish I had never gotten married that long ago & knew there were issues before I ever got married that at the time were enough for me to not want to marry him...but stupidly listened to my mother who knew nothing about relationships either since she led a completely sheltered life & I knew better than to listen to her also....so I really blew it back in 1975......& it never got better....while I hid out in my engineering career.

Lost my career & ended up even more trapped in the marriage until my mother died & I was finally able to physically escape....but now I need to escape financially & cut all ties that have anything to do with him.

I have nothing to do with him....all communication is either by email or texting.....refuse to have anything that isn't in writing between us because he lies about everything.

Grrrrrrrr.....I want nothing to do with this idiot......& continue to feel so trapped.

This loan modification requested a quit claim from me on the property we own together....but now, I'm still stuck on the loan & they want me to sign the paperwork for his loan modification.....& I don't want to have anything to do with it.