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Divorce and Credit Scores: What Debts Really Count Against You When Qualifying for a Mortgage

by Karla Kyte | Dec 2, 2025 | Mortgage Qualification

By Karla Kyte, CDLP®, CMA, REM-S Founder, My Divorce Mortgage Planning | Certified Divorce Lending Professional Divorce is messy enough without misinformation clouding your financial future. One of the most misunderstood areas—by consumers and lenders alike—is how...

Capital Gains in Divorce: The Tax Trap Most Couples Miss When Dividing the Marital Home

by Karla Kyte | Nov 25, 2025 | You Need Strategy

Divorcing in Colorado? Capital gains on the marital home can create huge tax surprises. Learn how to avoid them with expert divorce mortgage planning. Capital Gains in Divorce: The Tax Trap Most Couples Miss When Dividing the Marital Home After 28 years in the...

What My 20-Minute Divorce Mortgage Planning Consultation Covers (And What It Doesn’t)

by Karla Kyte | Nov 21, 2025 | You Need Strategy

What My 20-Minute Divorce Mortgage Planning Consultation Covers (And What It Doesn’t)  When you’re navigating a divorce, one of the biggest and most emotional questions is: “What happens to the home?”  Most people don’t know how to “do” divorce — and why would they?...

DIY Divorce? What You Don’t Know Can Cost You

by Karla Kyte | Oct 9, 2025 | You Need Strategy

A friendly divorce might feel manageable. No lawyers. No drama. No extra expenses. But when it comes to your mortgage, your equity, and your long-term financial well-being—going through it alone can cost far more than you think. Here’s a real story that illustrates...

Graduated or Changing Support Payments? Here’s What You Need to Know About Mortgage Qualification

by Karla Kyte | Oct 9, 2025 | Mortgage Qualification

Support income is often central to staying in homeownership after divorce. But here’s what many people don’t realize: Even if support payments are legally structured or seem generous on paper, they might not help you qualify for a mortgage. In fact, assuming the...
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