Can your spouse apply for refinance of home, without you on the note, without being aware that your not?

Approx. 5 years ago, I bought a home with my soon to be wife. I was first signer on the title and she second, using her maiden name, after marriage, she signed at title co. with her new name. About one year after that she said hey why dont we refinance and lower the house payment. I said great, so she has me sign the truth in lending disclosure, and the right to back out in 3 days doent, on the borrower line. But then she applies for the new loan without my name on it. Her mother is a local mortgage company lender, so of course she was involved. Did her and her mother break the law? You cant just remove someone off the note of their house with out them knowing about it can you? Im going through a divorce now, and with her name the only one on the note. Countrywide wont even discuss anything about the account with me. But they had no problem taking my money twice when my wife made it go into foreclosure by not paying the payment. If she broke the law, does anyone know which?