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How Can I Get My Name Off A Mortgage?

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Location: Iowa: I (28 F) am currently divorced but my ex (28 M) and I still own a house together. The issue starts with I am on the mortgage of the house but not on the loan/promissory note. I didn't even realize they were two separate things until this happened (I'm not asking for legal advice about this, I have had two lawyers look at it and the bank show me the paperwork to verify this) Since I am not on the loan the bank will not let me make the monthly payments, and I'm not in the position to take over the loan. I have since moved out and the house is in my ex's possession. However he has not been making the payments either, about a year ago the house went into foreclosure, and we weeks away from the bank seizing it. During that process I learned that although I am not on the loan since I am on the mortgage a foreclosure would go on my record as well. Thankfully his parents bailed him out and paid past due balance getting the house out of foreclosure.

The second issue is he has stopped making payments again. He actually got remarried and moved out of the state leaving the house abandoned, all utilities have been shut off due to lack of payment and the house sits empty. I am so scared the foreclosure process is going to start again, I feel so helpless because my future depends on him being an adult and actually paying his bills.

The divorce agreement was he would assume all responsibilities of the house until he sells it ,and I would get a portion of the sale. I anticipated having issues with it so we gave him a deadline of June 2026 to sell the house or he'd have to make monthly payments to me. He is however making the payments to me so he's technically not in breach of the agreement. I guess before I reach out to a lawyer has anyone heard of making amendments to a mortgage without refinancing? Would I contact a property lawyer to do so? Or should I contact my divorce lawyer to see if there's some way I could force him to sell the house before he loses it? Are there any legal implications of him abandoned the house?

submitted by /u/Dogfriendlygal
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