Mortgage Questions and Assistance

I am doing a loan modification and the lender says that my ex wife has to sign the documents too. Even though her name has never been on the mortgage, she is only on the deed. Why does she have to sign the loan modification?

I didn't accept first loan mod because they were taking me back to orig loan amount without applying payments. After much discussion they reworked the loan mod and we accepted it. However, after everything was signed and sealed, they sold loan to another lender 8/2021 however they have not sent the full records to new lender. We are making payments that are being applied to a suspense account (over a yr now) and they are waiting for the original doc from old lender. I've sent a copy of the recorded loan mod but they say they need the orig. In the mean time, there has been no correction on my loan amount, rate or monthly payment. Its like my file has gone to the black hole of no one knows what to do. How can I speed this process a long? By the way this is a VA loan.

Looking to use my free and clear title on my double wide mobile home for collateral to purchase another mobile home one third the size of the one I presently own ,,, I have a 760 credit score ,,, looking for around 20K to borrow until my present house sells,, Thank you for considering

Will I qualify for a first time home owner if i'm on the deed of another property. I'm not on the loan just on the deed.

I’ve been on short term for around three months and my wife has been unemployed due to covid19 since that all started. She’s back to work and my situation hasn’t changed. Our credit is great like 700 plus, and we have loads of equity. Our current interest is around 3.9 I think. Does our employment situation eliminate any chances of getting our rates/pmts lower?

We purchased our home 12 yrs ago and we were not familiar with the TexasA6 law. It was a conventional loan we used for upgrades on the home. It was just a small loan around $8,000 which since has been repaid. My question is, we are Veterans and we wanted to do a VA Loan refinance on our home now since the interest rate is so low. We were told that we could not refinance VA because of the Texas Law even though it was 12 years ago and has since been repaid. The loan person did not tell us about the Texas law at the time, we came to Texas from California and were not familiar. Is it true, we can never do a VA refinance on our home now. Please help me understand. Thank You.

Now that I have the exemption approval, who notifies the mortgage company ?