I have 90 days to [url=http://www.mortgagefit.com/refinance.html]refinance[/url] my home and get my ex-husband's name off the loans. I was a stay at home mom and have just recently started my own business. I recieve $3000 per month in alimony/child support and I have a boarder in my home paying $1000 per month. My home is worth about 650K. My first mortgage is $294K at 5.625 /30 yr fixed. My HELOC is $244K at prime minus .75 (currently 4.25) My credit is good, I have never missed or defaulted on any payments. I am concerned about qualifying. I am currently earning about $3000 a month gross which I expect to increase in the very near future. I don't want to have to sell my home. Please help.