Unfortunately, many people find out after the fact that financial institutions do not legally have to honor terms laid out in divorce decrees. Whatever accounts and agreements you and your now ex-husband made when you were married still apply as far as your creditors are concerned until such accounts are either closed or refinanced. This is why you are having such a hard time getting your lender to remove your name from the mortgage papers and why lenders you have applied to have turned you down. In the eyes of the lenders, although you are not on the deed to the house, you already have a mortgage. If they granted you a new one, you would, technically, have two--normally not seen as a good risk for your new lender getting paid on time. The old mortgage must be refinanced to remove your name and clear you of the financial burden associated with this loan.

Since you have signed the quit claim as requested by the court, you have held up your end of the agreement. However, forcing your ex to uphold his end by refinancing may require actually taking him back to court and suing him for not carrying out the divorce decree terms. This can be costly, but it is an alternative.

If your ex continues to be uncooperative and you choose not to sue, you might try calling up the mortgage company and letting them know that you are no longer contributing to the repayment of this loan. In other words, the original terms under which the lender made the loan don't apply anymore. Since they made the loan to both of you, not just your husband, the income that they used to calculate the loan may now be reduced to an unacceptable level, thus jeopardizing the repayment of the loan. Since they may not know this now, your making them aware may prompt them to contact your ex-husband and request that he refinance sooner rather than later. There's no guarantee that this will work for your purposes, but it's an idea worth a try if you find you have no other recourse.