[stephbrown2005]

My ex and I bought a house in 2006. When we broke up a couple of years ago, he kept living there and is paying the payment and paying it on time. I have good credit. I am currently living in an apartment due to having a mortgage already. He said that he can't refiance it due to the market because we bought it when the market was high. Is it possible to get another mortgage for less the one I already have??

[Nan]

If your ex was awarded the home in a divorce, and you can provide verification for at least 12 consecutive months that he has been making the payments, then yes you could qualify for a mortgage for your own purchase.