<prompt> Human: I was recently about 6 months divorced by my wife. She initiated the divorce and it was a mutual consent divorce in the state of Illinois. She hired a lawyer and I had no representation. We have a house with a mortgage on which we are both co-signers. I made the down payment on the house and I have been paying the mortgage since we purchased the house. After the divorce she moved out of the house. And I rented the house.In the divorce, she has asked that her name be removed from the mortgage before the end of this year.I am currently unemployed. I have been making mortgage payments from the rent that I have been recieving. In order for me to take her name off the mortgage, I have to refinance. But refinance is not possible since I am unemployed at the moment. The only option is to sell the house. I have listed the house for sale, but despite multiple the price cuts, the house is not selling. I am very worried that if the house eventually sells at a deeply discounted price, I will be in a financial ruin.I would ideally like to re-rent it, but that doesnt seem to be an option. Please advise. Do I have to sell the house given that I have agreed to take her name off the mortgage in the divorce settlement. What is the law say in the state of Illinois? Thanks in advance.  <response>: I am currently unemployed. In order for me to take her name off the mortgage, I have to refinance. But refinance is not possible since I am unemployed at the moment. The only option is to sell the house. What about the other option: get a job and then refi? 