I have enough to buy her out of the worth of this house and also able to pay for the current mortgage on my own (do it already) but I am not looking forward to refi since right now I have a great rate. What are my options here?
If you have a FHA, VA, or USDA loan, you can assume the loan. You keep all the terms of the loan, you just have to pay the assumption fee. Otherwise your only option is to refi to get her off the loan.
