You mean refi it in your name only? Then have her apply for a mortgage on her own?
It will be difficult for both of you. You both will have to do it based on your separate income. And your credit score drops when you get D because your income to debt ratio changes so much.
Michelle - Proud DR Rockette S: 28JUL07, D'd: 29OCT09 http://tinyurl.com/27j9qo2
