I appreciate your message (and everyone else's). Amazingly my ex wife and house are also in AZ and, you are right, it is about revenge, hatred and money. Anyone can understand a hardship situation and I was willing to help so we started a process to try and refinance, here is what happened:
0. During our marriage --> she works in the mortgage industry... She tells me she is going to Re-Fi and I ask for a fixed 30-year loan because things cannot go that way forever and we needed to protect ourselves. She tells me to shove the crystal ball and that variable is better payment and we proceed to fight for months (4) I finally caved. She also pushes me to buy more investment properties, I tell her it is reckless to get into this kind of debt and I say no, final answer. She HATES me for that.
1. Payment Jumps --> to $1800 from $1200..we are already divorced. She complains, I proceed to remind her of the crystal ball and crow at the fact that I was right. Here is when things start going south on the industry.
2. Mortgage and rent --> She tells me she cannot make the mortgage payments. The house is now rented and the "renter" pays $1000. She cannot make the extra $800. After a while no payment is made and I have to step in. She sends the "renters" half then she stops. My girlfriend tells me she is pocketing the money (rent from "renter") I agree but determine that the best course of action is to refinance to lower payments since it is clear she won't pay, my credit was the most important thing to me (it was 715 when we started this, it is now at 400)
3. Appraisal --> I pay $415 for an appraisal that took 5 weeks. Why? the "renter" was in the house and the house apparently flooded (yard) so it took 5 weeks. I lost that money, read below.
4. Re-Fi --> Countrywide came back with an unbelievable offer from $1800 the payment was to be $1200, she said it was too expensive. This Re-Fi was under my name because she can't afford it. My credit is now showing 2 late payments and a collections from a leased vehicle that she returned and did not pay so I cannot get the same offer again but the offer from
CW is still open.
5. Wrap Loan --> She came with an offer to do this loan with the "renter" so I needed to sign the title over to this guy while the loan was under my name, so the house would have been awarded to her in court, the title would have been under this dude, and the loan under my name. I told her to stop doing drugs even the supreme court would be confused.
6. Re-Fi 2 --> Under intense pressure from me she finally said ok to the Re-Fi loan but she insisted that she needed to know the details on the loan because "people" told her I might try and take the home away from her. So she started wielding the divorce decree to
CW.
7. CW cancels Re-Fi --> the decree determines is not my property so
CW says see ya.
8. Renter disappears --> Now that the home is in credible foreclosure risk the "renter" now disappears. She claims he has not paid rent and that he vanished. I had to now make the full payments and the house was 15 days away from foreclosure procedures.
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Divorce Mess - House awarded to wife, loan on my name 
I have already successfully managed to get the loan modified by Ocwen in a incredible process that was as painful as most of you already know. From the customer service calls in India to the losing of docs to redoing everything twice to the cursory denial to the "please help" begging sessions to the modification that was more a joke than anything else. 
As far as I know that home is not upside down yet so it should not be a short sale, is a buy back the same as a deed in lieu of? I need help. Has anyone done this with Ocwen?
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