How was title to the property held between the husband and wife? That will make a difference as to the ability for them to loan on only his share of the property.


As to what she can do about the loan: as you have found, it not being a conventional mortgage, it changes what she can do with the loan. She does have a right to pay off the loan, if nothing else. She would also be able to continue making payments on the loan. It appears either of those are a problem so it does tend to put her in a tough position.

Does she even know the total debt? Is the total debt, the cumulative of the first mortgage and the helix, something she would even be able to make payments on if combined into one loan?

does the total debt on the house exceed the current value?