My husband bought our house after we married, Can he refinance with out my ok?

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The home was bought in the state of NY. He purchased it after we were married against my wishes. His name is the only name on the mortgage. My name was added to the deed.
At the time of him purchasing I owned my own home and my credit wasn’t very good. Besides him not asking me to purchases the house with him. Those are the reasons why I didn’t buy jointly with him. But mostly cause I wasn’t asked to be.
Soon to find out this guy is very shady and underhanded in just about anything he does. Looks like I will be seeking a lawyer to file a divorce.
I’m wondering if he could sell the house or refinance the house with out my signature?
Even though he is very unreasonable , and you can’t even talk to him at all to get a straight answer. Im trying to find out what he is going to except or not in the divorce. So that when I do hire a lawyer it doesn’t drag out and cost thousands of dollars.
His credit is very bad now and mine is better. My income level is not very good to buy him out. He mentioned to me he wants to buy me out, But his credit wont allow him to get a loan to do that. Even though he plays head games Im not I need to truth.
The meaning of my saying he plays head games. He says he can not move out cause his credit is bad to get an apartment. which some require that. But he tried to refinance behind my back. An they sent him the paper work but he needs to come up with 5 thousand for closing…This is what he tells me. But he lies so much dont know what is real or not. He told me awhile ago he was going to refinance the house to lower interest rate. Now Im wondering with if he tryed to refinance an get money on the escrole of the house but there shouldnt be too much we only own it for 6 years and housing hasnt gone up too much. Please sorry if this is confusing…Im just wondering what my rights are . thank you

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4 Comments
  1. Reply
    Starfish
    May 4, 2011 at 2:03 am

    File for divorce NOW! You need a lawyer immediately. The longer you wait the more time he has to hide assets or make sneaky changes.

  2. Reply
    alialoggi
    May 4, 2011 at 2:25 am

    Don’t negotiate in place of a lawyer! Don’t ask him what he will accept or not accept. You are not a lawyer and you may be entitled to more. You may be losing more money through your own negotiation than the cost of the divorce. My husband is an attorney and when we divorced he told me I’d get $ 1000 in child support and alimony. I get much more than that! If you don’t want to spend a lot on a divorce, don’t fight about things that don’t matter, but you have to fight about the things that do matter. Don’t be penny wise and pound foolish. He isn’t going to refinance if you divorce him. Why would he pay the cost of a refinance? If he takes the money from the house and refinances, that money will be split and will be rewarded to you in the divorce. He can list the house for sale, but it wont sell over night. Also, a divorce attorney can block the sale of the house because it hasn’t been determined yet who will keep it or if its best to sell it. Find a good divorce attorney by asking divorced friends who they used. What you need to do is to think logically about every scenario. Don’t panic, just think about what a judge would likely decide is fair and you wont panic so much. We have a house that an arbitrator said was to be sold, but my ex and I decided to negotiate because I may buy it. They don’t make decisions that don’t work for either of you.

  3. Reply
    tinkerbell
    May 4, 2011 at 3:00 am

    You need to get out now, because he evidently doesn’t care enough to include you in decisions that you should be in. Too answer your question: yes he can refinance without your approval, because you are not on the loan:( You have some major decisions too make. GOOD LUCK!!!!

  4. Reply
    2Westies
    May 4, 2011 at 3:31 am

    Get an attorney.

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