gns......as a loan officer I can answer that one for you. It depends on your lender. Call them and ask them what their guidelines will allow in your situation. Tell them that it is your desire to simply keep your note the way it is but that you would like his name removed from the loan itself without having to refinance. See if they will allow this mine did for me but I happen to bank at a small town bank not a nationwide lender. I did have to debt ratio to prove that I could handle the payment at what it already was. And my guess is if they allow it you will too. He would have to sign at the closing if you are still legally married and he will need to sign a quit claim deed. If he agrees and your lender agrees then its yours to do with what you wish. Good luck hun.
Janitw