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(My reply to Robert's comment)In 2007, I bought a condo with ex-wife in Santa Clara, and then divorced soon after. At the time of divorce, the condo property value was to low to refinance. Without other option (or perhaps doesn't know any better), I moved out.
agreed to keep up with mortgage payment and will refinance when possible. She also made me sign a title transfer to her name only to ensure that in case the loan is paid off later, I won't be able to claim ownership.
I have been following-up with her by email and her response has been property value is still too low to refi. I told her about Harp 2.0, and she said the property does not qualify since it's not covered by either Fannie Mae or Freddie Mac.
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