My husband and I purchased a condo, he was the only one on the note because I was not working at the time, but we both were on the deed. We got divorced many years ago and the decree stated my ex had to quit claim the deed to me, which he did. The loan was to remain in his name indefinetly, yet I am responsible to make payments. I have tried to refinance to get his name off the loan in the past but have been unsucsessful because the loan balance is $98,000 and the condo is worth $50,000. Now that the HARP 2.0 is here I have been calling the bank but no one can seem to tell me if I'm eligible to refinance under just my name considering I was never on the original loan. Am I eligble under HARP? If not could I assume the loan? Would it affect me negatively to leave the loan in his name?