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You simply ask your lender to remove the former spouse's name, leaving the loan note in your name only.
If you ask your lender for an increase in your line of credit, they might reward your good behavior with a bigger pool of funds.
Ask your lender for all applicable information.
Ask your lender if the APR is fixed or variable.
Ask your lender about your eligibility for state assistance.
If the house sale won't cover the mortgage, ask your lender about a short sale.
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Ask your lenders questions about what fees have been included in your APR and any other fees that may be charged on your loan.
But if you put in $20,000 toward that remaining principal and asked your lender to reamortize your payments over the remaining 15 years on the loan, your monthly payment would drop by $184, to around $2,002.
If you found a better rate elsewhere, ask your current lender to match it.
If you don't understand any of the charges outlined in the Good Faith Estimate you should feel free to ask your mortgage lender about them.
Ask your potential lenders about rolling your lot loan over into a construction loan.
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Justyna Jupowicz-Kozak
CEO of Professional Science Editing for Scientists @ prosciediting.com