<prompt> Human: I am divorced, my ex-wife lives in the home and the mortgage is in both our names. She has remarried and I want to buy the house I am currently renting from my mother. How can I get our from the mortgage on the other house? I cant get a mortgage loan because my debt ratio is too high because of the other house. She wont refinance because she got a mortgage reduction and says that if she refinances her mortgage payment will revert to the higher payment.  <response>: What did the divorce agreement say about the house and mortgage? 