I'm sorry to hear about the divorce. Unfortunately, it is not possible to get your wife's name off the loan without refinancing unless the lender is willing to do so. I would be very surprised to see them do that. There are a few programs that might allow you to refinance. Do you know if your loan is owned by Fannie Mae or Freddie Mac? Or is it an FHA loan? If so, you might be able to refinance without having to come to closing without any money. Feel free to call if you want to discuss this more.Larry 503-421-0096

Unfortunately, this is a common situation these days and there is actually one way to do this. If your loan is owned by Fannie Mae or Freddie Mac, you may have options depending on how far upside down you are.Both Fannie Mae's Du Refi Plus and Freddie Mac's Open access, allow for the the removal of a co-borrower subject to the following: "Borrower being removed from loan must also be removed from deed Remaining borrower(s) must provide evidence of 12 month payment history from own funds. "Feel free to contact me for more info on these programs and to see if you qualify. Gregorio Denny WeFixRates.Com

You cannot take someone's name of the loan with refinancing. You need to speak with a divorce attorney to get legal advice on your debts.

You have not mentioned what type of loan you have. If your loan is an adjustable rate loan that is not currently in a fixed rate period, the loan may be assumeable. You may want to contact the loan servicing department of your lender if you meet these requirements and request a loan assumption package. James 510-708-1872

A bit limited on this one, you may either sell or refinance the loan. The Note was secured using bother persons socials, so a re write or a pay off are the only options. You can however remove the person from Title, but they will still remain as a responsible party to the loan.