Rules on Gift Deed Transfer

hi, i have a really weird situation. my husband had a house gift deeded to him prior to our marriage, with the understanding that he would get a loan to pay the estate of his grandfather. he couldn't get the loan on his own, he needed me to co-borrow (not co-sign) which we did. despite multiple requests he never added me to the deed after we were married. now 6 years later he wants a divorce, and i wan to buy him out of his half of the equity in the house. i wanted him to gift deed it over to me and i would refinance the current loan into my name and pay him for his half of the remaining equity. someone told me that i need to be on the deed for 6 months before i can refinance him off the title. is this true? if so, is it a new regulation, because it wasn't an issue when we did this in 2004. help!!!!