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I was to have 90 days to obtain the loan modification, it took longer than that because the bank had significant issues with keeping track of and reviewing the financial documents I was submitting. I started the process in mid November and didn't get approved for my trial modification period until the end of March. Once I obtained the modification I was supposed to have 6 months to refinance to remove my ex from the home (which would remove his liability as well). I didn't refinance because I was under the impression that the modification was going to remove his name from the liability. The homeowners solution group team lead that I was working directly with said in an email (which I have copies of):"Also, I am ordering a title on your property to make sure that are no liens or judgements attached to the property, if the modification is approved we will need to record the modification to remove <ex's name here> from the liability"Apparently that was false in every single possible way.I had been emailing my ex along the way to let him know what was going on throughout the process (never got a response back). Does he have legal legs to stand on to force me to sell the house? I just want to own the house, I am not looking for any money from him. I have a mortgage payment that I am able to afford and a steady job that I have had for over 8 years now. I just don't know what happens now. I got the modification, it just took longer that I believed that it would and wasn't didn't include all of the terms I was informed that it would.
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