Either she needs to refinance or the mortgage company needs to agree. However, there is a note associated with the mortgage also, and it is unlikely that the mortgage company will agree. If your ex cannot pay, she may need to sell the house or declare bankruptcy.
***Please be sure to mark if you find the answer "helpful" or a "best" answer. Thank you! I hope this helps. ******
It is truly regrettable that you failed to avail yourself of legal advice in connection with the mortgage. You are now waking up to the reality that your options are very limited. Your personal obligation on the mortgage can be discharged in bankruptcy or with satisfaction, meaning payment. Satisfaction might be possible through a short sale, but that maya bring other unwelcome consequences. Your rights may be further limited if your name iis no longer on ther title. For more precise advice with review of your decree and title, consult with an experienced family practitioner in your locale.
Best wishes for an outcome you can accept, and please remember to designate a best answer.
This answer is offered as a public service for general information only and may not be relied upon as legal advice.
There should be an indemnification clause in you MSA or Final Judgment, requiring her to refinance, if able to do so. If she is upside down, then most likely she is Unable to do so. Then option B is either to liquidate the home, or declare a Bankruptcy. I think it depended on whether there is any equity in the home, language n the MSA or Final Judgment, etc.