<prompt> Human: My ex fiancée currently lives in a townhome that we both financed. We were together for almost eight years, but we both came to the mutual decision to part ways. It was very amicable at the time but now, two years later, she seems reluctant to refinance her home. Its impacting my ability to purchase a new home since lenders see that my name is on her mortgage. I have tried reasoning with her but she refuses to budge. We both put almost 80k as a down payment and the value of the house has more than doubled in the last few years since we bought it as a foreclosure. Of course this is not the path that I would choose but Im wondering if would it be possible and what the ramifications would be.  <response>: Is your name on the ownership of the home or just the mortgage? 