Complete the form and state your reason for requesting an extension of time before the divorce is granted. (info.legalzoom.com)
A lot of people don't know this but you can actually call and request an extension for up to 6 months on this time restriction. (uponarriving.com)
To do so, you can request an extension on the refinance loan length so you'll have more monthly payments due but considerably lower ones. (badcreditloanservices.com)