I am on a deed on a property that I had with my ex. I am on the deed but not on the loan. Come to find out she applied for a modification that changed the loan terms by having a balloon payment at the end of the loan. I found out when a real estate agent notified me of her intent to sell the property and she needed my signature to list the house. How was the loan modified without my consent and what recourse do I have since the modification ate most of the equity.