Legal Question in Real Estate Law in Missouri

your divorce decree does not affect the lender's ability to seek payemtn form her, nor yrou need to get her to sign off on any refinance. You may initiate an action to quiet title to the property in your name. If you are successful the lender should allow you to get a new loan and pay off the old one. But, you may have to pay her a portion of any equity you have, depending upon your divorce decree.

Good luck

I believe that an attorney should review whatever the legal documents are in your particular situation before rendering any opinion about your legal rights or duties. I would suggest that you consult with an attorney and allow the attorney to review all of the relevant doucuments.