[maxyj]

Recently my common-law spouse and I have decided to seperate. We bought a house in 2008 and we signed our mortgage for a five year term. I spoke with my mortgage company and they informed me that if we sell our house without getting another mortgage on a differnt house we would have to pay a $20,000 penalty. The only other option is that one of us buys the other one out, but neither of us can afford to do that right now. What are my options? I need help, I really dont know what to do.