1) As far as I know, it was only based on my income, as that was the only thing I provided them, and they only credit-checked me. Also, my name is the only name that has ever been on anything regarding the refinance, and I am the only one signing the forms.
2) I guess things could change, but we're still friendly, and that doesn't seem like something she would do. She's actually been researching this on her own as well, and we've been sharing our findings.
3) She said that she wants to do a simplified divorce, where we determine what goes to who on our own. If we weren't, the court could do something like that? After I refinance it on my own, and she signs a quitclaim deed, the court could still then decide that its partially hers?