You are in mourning. You are mourning for the "old" marriage. It's normal to do so.
Well, he will either have to buy you out or sell the home. With that being said, the home equity loan would have to be paid off out of the funds received from the sale, which means you both will get even less after settling up the sale of the home.
It's up to you whether you wait or not, but February is only 2 weeks away.
Sit quietly, the answers will reveal themselves when you least expect them to. The past is gone, the present is a gift and you need to focus on today, allow the future to reveal itself when it is ready.
