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My wife is divorcing me and we are pursuing a settlement agreement in which I will keep the house. She and her lawyer are saying that I have to refinance the house ASAP to remove her name from the loan and then they will sign a quit claim. However, I was told that it is preferable in this situation to do an inter-spousal transfer and that I do not have to refinance. I do not want to refinance because rates are much higher now. How do I handle this and what do I tell her so that I do not have to refinance?
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