I’m pretty sure she’d be in the same situation in the US. Assuming the house was jointly owned and she had the ability to buy out her ex-Spouse’s equity or get the whole home in the divorce, there would still be a change of ownership, so she’d need to get a new mortgage solely in her name.

I know I’ve heard of couples splitting up and coming up with creative solutions, like continuing to jointly own the house, but that doesn’t seem to be the case here.