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Four years ago, I was downsizing and building a home while I still had a hefty mortgage on my first home. I couldn’t secure the loan on my own until the other house was sold.

I applied for the mortgage with my girlfriend. I had a down payment of $125,000 and paid the monthly mortgage, along with real-estate taxes. She pays for the utilities.

Needless to say, things are not working out, and I would like her to move out. She wants half of the home’s value, as her name is on the mortgage.

Is she entitled to half the value? Can I refinance without her knowing? I think I snookered myself. Please help.