You'll need to provide more info.
What do you mean you cannot get loan?
Did your ex go late on the equity line or let it go into foreclosure?
Unfortunately your divorcee decree doesn't override your legal responsibility on the loan, even though your ex has been ordered to pay it, if they don't, you still suffer the credit consequences.
On the other hand, you are able to exclude that "payment" from your qualifying debt to income ratios
on a new mortgage.
Take a look at the recommendations from some of my past clients on my Trulia profile by clicking the link below my phone number.
Please feel free to contact me for more information or help.
Senior Mortgage Banker
Lending in ALL 50 states
Great Plains National Bank