Howdy folks,

I got the house, but I need to buy her out of it. Considering the current rates, bought at 3.83% and quoted refi at 6%+, I’m trying to figure out if I can just buy her out with a loan and hold off on the refi. She already signed a quitclaim deed, so I have that to file.

Additional info would be:

while my finances are in good standing, I’m still living paycheck to paycheck following the decree.

I’d have to take a cash out on top of the remaining home value. Total loan would be about 160k

I’m not even a year into my current job, so I think that’s a ding against me.

TLDR; Do I take a loan out to buy her out and file a quitclaim deed without refi, or is it wiser to bite the bullet and refinance at double interest rate with a larger home loan.