" I just talked to our mortgage company and once the decree is done he will be off of the loan"
I'm a little confused about this part. It is my understanding that the divorce will take him off the TITLE to the house, but usually a lender will not let one of the parties off the LOAN - unless you qualify for the loan all on your own? Do you?
If you CAN get him off the loan, then great - no need to refi, right?
