My husband and I were divorce November 2010 in Wisconsin. He signed a Quit Claim Deed and I agreed to have his name removed from the mortgage within 3 years. Since he is unemployed and is not paying child support I was able to get the mortgage modified and the interest reduced to 2%. He is now disabled. Since there is no way he could repay the mortgage since he is on Social Security, is there any reason for me to refinance just to get his name removed from the mortgage and risk losing the benefits of the modification?