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Hello Rick, thank you for the question.
When is the mortgage up for renewal?
Does the separation agreement say he will indemnify her for any mortgage payments she's forced to make?
She is responsible for the mortgage if he doesn't pay it. It doesn't matter if she's on title to the home or not.
It's not as simple as the ex just taking her name off the mortgage. It's a contract between the bank and both of them. The bank isn't going to just take her name off because that reduces their security on the loan.
She needs to check the separation agreement to see if there's a clause that he'll indemnify her for any mortgage payments she's forced to make. Then she needs to take the agreement to the bank and see a mortgage officer to inquire about when the mortgage is up for renewal, and whether they can take her name off the mortgage without any penalties. It's up to the bank if they'll do the latter. She may just need to wait for the renewal to come up, and then obviously she won't agree to continue to be on the mortgage.
Does that make sense? Please reply if there's more to discuss. If I've answered you I'd appreciate a positive service rating please.
Rick, I'm stepping away from my computer for a bit. I don't want to miss your reply and leave you hanging. Anything else about this issue?