Positively moving forward

[awest1217]

I will say he is giving me full rights to always claim S every year. I want the house because I can't afford a loss on the house, the car, and a new place to live. Most importantly, I love my house and can afford it so I want to keep it.

H says he doesn't want to sign the deed because if something happens to me then he can't have the house, but if I refinance then he will sign off. He said not signing protects him, but he also wants to not pay anything if there is a loss if we sell. It is all a bunch of ifs.

I should be able to refinance in 4 years unless the requirements change. I could refinance now if the economy hadn't gone down. Credit wise I am great. I might need a little more in savings, but that will increase once I don't have to pay a L and can pay off my car in 2.5 years. Overall, I should be great. If H and I can agree on the house then we are done, but I am not sure what is best for me to do. H sign quick deed and I take all loss if I ever have to sell or H not sign until I refinance, but we split everything (gain or loss).

So confusing! But hopefully over soon.