Divorce brings a long checklist of emotional, legal, and financial changes—and if you and your ex owned a home together, refinancing the mortgage is probably near the top of that list. But what if one of you can’t qualify to refinance on your own? This is a very real scenario that can leave people feeling stuck, especially if the court awarded the home to one party, but the mortgage is still in both names. Here's what you need to know from a mortgage professional standpoint.