In general, it's best to add clarifying information to the original thread, rather than starting a new question, as it's easier for people to follow the conversation that way.
The original post is here:
https://www.askmehelpdesk.com/mortga...ve-493470.html
You still need to clarify whether you are joint owners with your ex-GF or not. If she was on the mortgage it seems likely that you are joint owers, but you need to make sure. Assuming you are joint owners: you can either (a) work together to sell the house, retire the mortgage and split whatever proceeds are left over, or (b) buy your ex-GF's portion of the house from her, at some agreed-to price. In either case your GF gets out of the mortgage obligation and receives whatever equity out of the house is hers. The problem is that if your credit is bad you may not be able to do (b), so you may have no choice but to sell the house(unless you have another friend lined up who is willing to co-sign on a new mortagge with you).
Now, if by some strange circumstance your ex-GF is NOT on the deed but IS on the mortgage - then you're sitting pretty! It would have been stupid for her to agree to that, but stranger things have happened. In this case you can just sit there, maybe work a deal where you pay her a monthly amount to cover her mortgage obligation, but don't refinance under your name until your credit improves.