If one spouse wants to refinance the mortgage to lower the interest rate but the other refuses, it could lead to a challenging situation. Communication is key in resolving such disputes. The spouses should discuss their reasons for agreeing or disagreeing with the refinance and try to find a compromise that addresses both parties' concerns. If they cannot reach an agreement, they may need to seek mediation or legal assistance to determine the best course of action. Ultimately, the decision may depend on various factors, including the terms of their divorce settlement and their financial circumstances.

If one spouse wants to refinance the mortgage to lower the interest rate but the other refuses, it can be a challenging situation. Here are some steps to consider:

1. Communicate: Understand the reasons behind the refusal. Is it due to concerns about closing costs, credit score, or other financial obligations?

2. Review the divorce agreement: Check if the agreement addresses decision-making processes for mortgage refinancing.

3. Mediation: Consider mediation to resolve the dispute. A neutral third-party can facilitate a discussion to find a mutually acceptable solution.

4. Court intervention: If mediation fails, the court may need to intervene. The judge will consider factors like the benefit of refinancing, the impact on both parties' financial situations, and the reasons for refusal.

5. Temporary solutions: If the dispute can't be resolved, consider temporary solutions like:

    - One spouse pays the refinancing costs, and the other spouse agrees to reimburse them when the property is sold.

    - The refinancing is delayed until the property is sold, and the proceeds are used to cover the costs.

6. Seek legal advice: Consult with an attorney specializing in family law to understand your rights and options.

Remember, clear communication and a willingness to compromise can help resolve disputes and find a mutually beneficial solution.

In some cases, the court may order a refinancing if it's deemed in the best interest of both parties or the children involved. However, this decision is made on a case-by-case basis, and the specific circumstances and laws of your jurisdiction will influence the outcome.