espritfreya;622993]

2. Your home IS NOT at risk so long as the mortgage payments are current. His lender could care less about the bk if it is getting its money. It does not care where the $$ comes from. It only cares that it is getting paid.
I know this is your thing so maybe you can help me.

are you saying the ex cannot willingly relinquish the house to absolve himself of any attachment to the house? (like if he wants to get back at the ex maybe). Even though he is absolved of liability for the mortgage loan, if the lender must foreclose, would they not have to involve him in some way?

If somewhere down the line OP had still not refinanced and stops making payments, does she now not have a claim to the title in opposition to the lender, at least for some share of the interest? Would a lender be willing to deal with foreclosing on a property where the title holder has not signed a security interest release in the case of default?