I recently went though a divorce and was awarded the home. I called Bank of America to see what process I should take to remove my ex spouse from the home loan. I was informed that because I had no equity in the home that the only way to remove his name was do a home loan modification. I informed the representative that I am financial able to handle the note and did n't need to modify the payment. After talking to several representives they infirmed me that after the modification my ex name would be removed. While going through the process of modifing the loan. I was working with XXXX XXXX, who also informed me thay after modifying the loan my ex name would be removed. She also informed me to do a Quit Claim Deed.The following day I went down to court house and was informed that my ex had to file the Quit Claim Deed. I informed her of what I was told my the courts and she infirmed me to do the modification and his name would be removed. I did the modification to only find out that his name was not removed. I spoke with XXXX on several occations about this and she informed me to wait one year and do an assumption. I waited the year it and apply for the assumption and was denied. I called Bank of America and spoke to XXXX, XXXXr in the assumptions department. He apologized for the information that was relayed to me and informed that that under normal circumstances it will take one year for and assumption to take place ; but because of my situation I have to wait 2-4 years because I should 've assumed the loan and not modified it. I informed him that I did wait Bank of America representive told me to do to remove my ex name. Still it was n't anything that he could do to help. 
