Abandonment On A Mortgage?

Hello,

I bought a home with my boyfriend, now ex in October 2023. Last day of 2024 he decided he’d rather be an alcoholic dating a teenager and moved out, leaving me to pay for it alone. We bought using FHA and were told that we couldn’t modify ownership or refinance or anything until October 2026 but he recently got his teenage gf pregnant and just sent me these. What would you do? My student loans just started collecting and tanked my credit, I had to get a roommate to help with mortgage and my car also broke down today so I definitely can’t afford to repay the down payment and refinance right now.

His sister is my best friend and she told me they’re about to get evicted from their apartment so I seriously doubt he’s able to take me to court since he can’t afford rent.

Location: west Texas

Alright it won’t let me post a screen shot for some reason so here’s the copy and pasted version:

You have three options since mortgage is none of my business, you can email your bank statements for a year to Troy the lender on the house his email is: (email) his phone number is (##) if you do it this way then by October 17th you can refinance with no down payment. The other option is refinance the loan now and pay the down payment back it’s $4400. Third option if you don’t send the statements by the end of the week then I will be taking you to court and they can have you refinance or sell. I’m done dealing with this, the easiest thing is to just send the statements.