Thanks for your help. I've decided that we may file a default action in state court and have them remove to fed court if they want to invoke SCRA.
The husband is the one that will be living in the property with his new wife. The ex-wife, I'm not sure why she would want to be on the note; in fact, when I receive a copy of the divorce decree, this may clear some of the picture.
I believe with another reading of the SCRA, that the construction extension could arguably be part of the orgininal note; however, we could also argue that since the borrowers did not fulfill the original contract, that the extension would be a new contract/note/mortgage since the original construction mortgage did not contemplate extensions.
This is quite a sticky situation; Hopefully we can hold off until Mary Beth's teleconference. Although I think we may be taking action before that.