Looking for some advice.

My divorce was recently finalized (yay for that part). As part of the final decree, my ex was awarded the marital home. The house is jointly owned, but the mortgage is in my name only.

The decree clearly states that she must either refinance or pay off the mortgage within 90 days. We’re almost at the deadline, and instead of refinancing, she’s asking me to initiate a loan assumption because the current mortgage has a much lower interest rate than anything she could get today. Only I can initiate an assumption since it is in my name.

Here’s the catch:

  • It’s a conventional loan, so it’s not technically assumable.
  • The said they might be able to make an exception, but it’s case-by-case and requires me to initiate the process.
  • I don’t want to. The decree says refinance or pay off, not assumption.
  • I believe it’s on her to follow through with refinance as specified and I shouldn't have to help initiate an alternative that wasn’t contemplated in the decree.

Questions:

  • Am I legally required to entertain the assumption option if the decree doesn’t mention it?
  • Could I be seen as “non-compliant” for refusing to cooperate with an assumption request?
  • What happens if the 90-day deadline passes and she hasn’t refinanced or paid off the loan?

Appreciate any advice.