Not really. The bottom line is your ex will need to refinance or you will both need to let the home go into foreclosure. Bottom line, if you do the latter, you will not stand a chance in getting into another place. The point is your ex is having a hard time getting a refinance. Consider whether it may be better for you to take on the property and keep it and have him off the loan. Talk to each other and see if there is a better solution out there. Six months in today's econmic and housing climate is not sufficient, especially if one has income or credit problems. If he has gone from a two to one income home, this will impact the loan as well as how much the home is now appraising for in your state.