Obtaining any loan will be impossible without a job (and bad credit on top of that) .
In order to assume the loan, is your ex wife looking for you to buy out her share of the home?
Refinancing will require a credit check and income verification.
Can you sell the house and walk away with money , or are you upside down on the loan?
I think you really need to sit down with a lender, and go over your numbers and options.