I have an FHA mortgage with Bank of America and I have been begging them for the last 3 years to refinance my mortgage. They sent me a XXXX page application to fill out which I did and then faxed it to where they told me to. I am in the midst of a XXXX and my wife, very soon to be XXXX, wants no part of the house as I am so upside down with it. The bank is telling me that since her name is on the original mortgage -- -although she was unemployed and made no contribution financially to the mortgage when we got it -- -they insist on all her financial information and will not move on the application for the refinance. I am between a rock and a hard place as I have just recently retired ( XXXX/XXXX/15 and am now living on Social Security and a State pension. I am at 5 and 1/8 % and I know they can do much better than that but they are completely at a stand still in the process and I am getting no relief from them whatsoever. If you could help me I would be exceedingly grateful. Thank You in advance. 
