Not sure exactly what the question is, but in general, one spouse can refinance a loan that two are currently on, assuming the remaining spouse has adequate credit, income, and debt to income ratios to qualify for the loan by him or her self. Please note that if there are tax, child support, or other liens on the property from the spouse who will not be on the new loan, those will have to be satisfied, cannot be disregarded simply because someone is being refinanced off the mortgage!
This is allowed in most situations if the one remaining spouse can qualify alone. I’d be happy to look into your full loan scenario in more detail offline with no obligations if you’d like. Just send me a direct message anytime! Good Luck!