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Joint Loan and separation. Need advice!

Location: Illinois

So I dated a woman for 8 years (never married). We purchased a house together through a joint fha loan and then had a messy breakup about a month later. The timing couldn’t have been worse!

It’s been about 6 months and now my ex is refusing to split the mortgage payment. Her idea is that if she doesn’t pay...since she is also on the deed I’m forced to pay her share and she plans to live in the house for free. Our mortgage lender informed us that since neither of us make enough income to buy one another out, the only option would be to refinance the home and resell or default on our mortgage. The issue is, we overplayed significantly on our home...and I truly believe that it would be a massive financial mistake to resell our home so early. It would at least need more renovations to fetch the price we originally payed.

What kind of legal options do I have in this situation? I will be struggling severely to pay everything on my own...and my ex is basically entitled to the home without paying a dime.

submitted by /u/MyLifeIsWild64
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source https://www.reddit.com/r/RealEstate/comments/l8aiit/joint_loan_and_separation_need_advice/
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