Have you gathered the info for the refi yet, or are you not that far along? Some on here might say make her do it since she's the WAW. I have been fairly cooperative with my WAW and it has opened lines of discussion. It's really your call. It seems that my wife has needed time to think by herself as much as anything, but our divorce is still filed, so I guess you have to decide what is best. Time has seemed to be my friend (knock on wood).