That means either:
1) It is literally paid off; or
2) It is paid off by another lender (refinanced).
And she is correct. She cannot refinance in HER NAME ONLY if your name is still on the deed.
If I were you I'd let her take you to court. At least if it goes before a judge hopefully there is some process by which she will have to show a preliminary loan approval or something like that before taking your name off the deed.
I'd be worried that if your name is removed that she may not refinance and may not pay. In which case you get the mortgage but not the house. I don't know what crack your divorce attorney was smoking but you've got a bit of a mess now.
The divorce papers should specify exactly how the property and its liens were to be divided.
In many cases, the divorce decree itself can serve as a "legal transfer" of the property, and the court can authorize anyone to sign the quit claim deed to the lawful recipient. However, courts are also sensitive to the financial practicalities of property under a mortgage or other security interest, signed by both parties.
Neither she nor you can remove your name from the mortgage. Why wasn't all this hashed out at the time of your divorce?
you can quit claim the property to her, your county web site has the forms you can fill in and then have them recorded with your county
this makes her the valid owner of the property
as for the mortgage, until she is able to refinance under her name, closing out your mortgage you will remain until it is paid off
names can not be removed from a mortgage.
When I divorced my wife she got the house, and the mortgage that belongs to it. My name was never removed from the deed or mortgage. She wants to refinance but says she can't do it with my name on the deed. She is taking me to court to get my name removed from the deed but not the mortgage. Is she responsible to remove my name from the mortgage, since it was stated that she is responsible for it? Can she refinance with out me signing? If so, would my name still be on the new loan? Advice?
