Generally speaking, lenders will not on their own remove the name of a non-owner from a mortgage. A refinance or sale of the home is usually required, but neither you nor a lender can force your ex to cooperate and refinance the home if he doesn’t want to.

QUESTION: How do I get my name off my ex-husband’s loan for our previous home? He will not refinance the home even though he has the financial wherewithal to do so. He has made all the payments on the home since taking possession of it, but I still want to have my name removed so I can move on with my life. We have been divorced for more than two years.

ANSWER: Your situation is fairly common when couples get divorced and one of the parties gets the home as part of the breakup. Your attorney should have required in the divorce settlement that your name be removed from any loans, including the mortgage the two of you took out together when you were married.

Apparently, your attorney did not do this. If your attorney did, and this requirement is indeed in your divorce settlement, then you can go to court to force your ex to comply with the settlement provisions. If that requirement is not in your settlement, then you are most likely out of luck in terms of getting your name off the mortgage.

Generally speaking, lenders will not on their own remove the name of a non-owner from a mortgage. A refinance or sale of the home is usually required, but neither you nor a lender can force your ex to cooperate and refinance the home if he doesn’t want to.

On the positive side, you may be able to find a lender who will grant you a mortgage to buy another home even with your name still on the old mortgage. You will have to prove that your ex is up-to-date on all payments on the previous home, there is sufficient equity in the home and you can qualify for a new mortgage based on your own income, credit score and financial situation.

Linda Goodspeed is a longtime real estate writer and author of “In and out of Darkness.” Email her at: lrgoodspeed@comcast.net.