Even though we are homeowners, how we got our home was rather scandalous. My husband was married before, and she got the house. She was required by the divorce decree to refinance his name off the mortgage. She waited until the exact date of deadline on the divorce decree to remove his name and instead abandoned the house, tried to give it back to the bank, and filed bankruptcy.
Unfortunately, that doesn’t work when another person’s name is still on the loan. Thankfully, we had accrued some serious savings because we were planning on buying a house ourselves. So, we were quickly able to pay the back mortgage payments and move in. I jokingly called it our “free” house.