After a 15 month fight with Chase I was finally able to obtain a permanent loan modification for my FHA loan (primary residence) last September. The original loan was to myself and my (now ex) husband, as joint borrowers. All throughout the loan modification process, I filled in all the documents myself without listing my ex and listed only my income. Therefore, only my income should have been considered in the modification process (which I was told was underwritten again)... but when I recieved the final loan mod paperwork, my ex was listed and had to sign the documents. After fighting for 15 months, and almost losing my home, I decided to just talk him into signing (Chase also called him and asked him to sign) which he did and the modification was approved.Fast forward to the present. He now wants to be taken off of the mortgage. He has had a couple of conversations with Chase and they sent him a packet to fill out, which he in turn mailed to me. It says it is a "Application for Assumption" and it comes from the "Assumption Department" in Florence, SC. The application goes into income, expenses, etc. etc. just like all of the paperwork I filled out for the modification.Do I really have to completely re-apply for my home loan, when I was just granted a permenant loan modification less than a year ago? Do I have any other options? Quit Claim? My ex lives out of state, has no interest in the property outside of being listed on the mortgage, and did not contribute in any way toward the modification process.Looking forward to your responses. Thanks for reading!