Happy, Please try not to read into what he wants or doesn't want to do right now. There could be any number of reasons why he doesn't want to finance now and one of them is that he's going to get his own financial issues resolved. Maybe he will and maybe he won't get them resolved. Could be that he isn't planning to stick around or it could be that he just doesn't want to go thru a refinancing right now. He's not ready to sign his rights away because if he should opt to leave, he's going to want his share of the equity in the home.
Bottom line, he's not ready to sign over his rights to anything at this point in time. Some of them do this and it's unfortunate as the rates are fairly good right now.
I'm sorry he's not willing to do this...but I'm not surprised.
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.
