If the spouse keeping the house can't qualify for a mortgage on their own, it can create a challenging situation. Here are some possible options:

1. Co-signer: The other spouse or a third party may be able to co-sign the mortgage, providing a guarantee for the loan.

2. Joint mortgage: Both spouses may need to remain on the mortgage, even if one spouse is not living in the house.

3. Spousal buyout: The spouse keeping the house may need to make a lump-sum payment or agree to a payment plan to buy out the other spouse's share of the equity.

4. Delayed refinance: The couple may need to delay refinancing until the spouse keeping the house can improve their credit score or income to qualify for a mortgage.

5. Sell the house: If no other options are feasible, selling the house may be the best solution, allowing both spouses to move on and start fresh.

6. Temporary support: One spouse may need to provide temporary financial support to the other until they can refinance or sell the house.

7. Mediation or counseling: A neutral third party can help the couple explore options and reach a mutually acceptable agreement.

It's essential to consult with a divorce attorney, financial advisor, or mortgage professional to determine the best course of action and ensure a smooth transition.