So my ex was given 180 days to refinance the home. It’s a mobile home that she just had to have because “it’s my dream home.” So the thing has depreciated in value.

Her credit score has tanked in a matter of a year. She told me she would work on getting the refinance done immediately as she hates me (I’m so torn up about that) and wants me to have no right to the deed. Cool, I don’t want the loan in my name anyways. I talked with the mortgage company and they said an assumption of loan was impossible and not an option for whomever got the home. Only a refinance would be done.

So, here’s the kicker. When we were going through the loan process the first time, no one wanted to loan us the money because it was going on family land. Not owned by her. Her family wouldn’t deed her out any land. Nor would they give her water rights. So 9/10 companies said kick rocks.

There was one who was willing to do it. The same ones who said a refinances is the only way. She’s almost 3 months into this process and that thing still isn’t refinanced. I figured it’d be done by now. What happens if she can’t refinance this thing? Does it go up for sale? I’d like to move on with my life and buy my own home. It’s hard when Miss “I can’t adult or take consequence for my actions” lives up to her name though. Any ideas?

P.S. I know this is a question best for my attorney but I’m trying to keep costs down.