So sorry about your mom.

And your ex, he sounds ---- well -----ill. Or stupid. One or the other. Did he think they would refinance without him signing the title?

If he's supposed to get proceeds from the refi, you can specify that a check for that amount goes to him from the escrow company when the refi closes - apparently he can't think of things like that?

I'm sorry your whole bomb-to-divorce timeline was so short, and he sounds unbalanced and depressed. I agree with sending him mental best wishes.