Thanks for all of your feedback. Keeping the house is absolutely in my best interest. Rentals in my area are ridiculously high right now. My mortgage payment will be less. It's hard to believe that several years ago we had several hundred thousand in equity, but due to foreclosures and short sales the market took a dive. The realtor who we had listed with for a short time had advised us not to sell due to all of the above. We actually have a decent amount of equity right now and hopefully in another year or so the market will turn around. Refinancing is in my best interest. We should have done it years ago.
As for our relationship it's on the shelf. Even if by the grace of God we spend any time together it will be for fun and strictly enjoying each others company. I've realized that the answers I'm looking for don't exist. My marriage is over. The only thing we could possibly do is start over. So, like in the beginning of any new relationship talks about where this is headed are not appropriate. Does my outlook make sense or am I still setting myself up for a fall?