If you two are still on good terms this should be fairly easy once you get passed the board approval and follow the co-op's procedures for transfer co-op through the co-op's attorneys.
If there is a loan, then yes she would have to try and refinance just under her name but that's assuming that she can qualify for the loan amount alone (and the bank would have to surrender the original stock and proprietary lease that they are holding as collateral for the loan in order for the transfer agent (co-op's attorney) to cancel those to instruments of ownership and issue a new stock and proprietary lease in just your girlfriend's name. Either way, you still would need the board's approval for the transfer and would still have to follow the co-op's procedures for doing a transfer. Remember board approval is always required at a co-op as a co-op is always in first position in the hierarchy of priority.
If you are giving her your share, there are documents that can be filed to remove your name.
If you are on the mortgage, she would have to refinance in her own name and buy you out.
Other than that, I know a good real estate attorney to who I could refer you.
Best of Luck!
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Bronx, NY 10465
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