I was just going on what my mortgage lender told me. I couldn't afford to refinance it. The divorce decree states it is mine and my responsibility. When he filed bankruptcy, I got stuck with an additional fee for that from the mortgage company. His L stated that he was in no way responsible for the house, so he wasn't responsible for the fee. Funny how he then wanted to come back and use the interest from the mortgage as a deduction on his taxes.
Best bet is check with the mortgage company since things I am sure will even vary from state to state.
kat
Me-53(and learning!) S24, S21, D18, D17 Just keep swimming, Just keep swimming. Dory