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My husband and I bought a house in 2007. Our daughter was diagnosed with Autism and I quit my job and stay home to manage things. We were in financial trouble and filed bankruptcy and modified our mortgage. I have worked a few short-term jobs in the last few years but I am returning to work full-time now. He has been with him employer 10 years. We are now divorcing (on good terms). I would like to keep the house and know that because of my job history in the last few years, I will not be able to refinance the mortgage on my own. There's a small amount of equity that would easily be mostly eaten up by Real Estate fees and closing costs if we sold. Today we have decent credit (around 700 credit scores) and our mortgage does not show up on our credit reports because even though we didn't include the mortgage in the bankruptcy, it does give us protection of the liability (from what I was told by my mortgage company when I asked why it's not showing on our credit reports). My husband has agreed to stay on the mortgage with me until I am able to refinance in just my name. He would like to buy a cheap condo for himself. What are options?
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