– Unable to Refinance After a Divorce. If you are unable to refinance your existing home after the divorce, you need to determine whether you cannot qualify or if there is a problem with your ex-spouse having ownership in the property. The ownership situation would need to get resolved by your attorney.
Your refinance rate is also affected by your credit score, amount of home equity, debt-to-income ratio and the length of the loan. You can also buy a lower rate by.