Home loan and I need info?

Until ex gets you off title and mortgage---nothing doing

Rates are low enough that its better to do straight fixed mortgage, 15 or 25 years

Many loan calculators out there, almost every real estate site, run some numbers

Many lenders will not give such a small loan or only for 15 yr loan

Start with your bank, see what they can do

Chances are you'd have to roll this over every five years, that its a HELOC, can't do an actual mortgage unless lender holds it rather than selling loan

You did a quit claim to get removed from the dead.

"renews every five years." = looks, smells, and is potentially more toxic than an arm. With an ARM you know adjustment rate. With most renewable mortgages you have a balloon payment that can be "renewed" at what ever is a competitive markets rate in 5 years IF you can still qualify for the mortgage.

- you can refinance this whenever you qualify. However, most mortgage lenders don't lend for less than $50000.

We have no idea what your income or what your debt is and can't provide you with any information except definitions.

I bet you that your ex will not get you off the loan because they will not be able to refinance the loan. You made a potentially big mistake in giving up ownership in the house while leaving yourself liable for the loan.

Im thinking it was pretty foolish to give up part ownership of the house before giving up your legal obligation to pay the mortgage for a house you no longer have any interest in. I think you need to ensure that is dealt with before pursuing anything else.

pay off every thing why do you need 2 cars if your divorced