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Gray Divorce and the Mortgage Process: “I’ve Never Handled the Finances. What Do I Do Now?”

by Karla Kyte | Jul 7, 2026 | Gray Divorce

One of the hardest conversations I have with clients doesn’t start with a mortgage. It starts with a confession. “I’ve never handled our finances.” Sometimes it’s followed by: “My spouse always paid the bills.”...

The 3% Mortgage Trap: When Keeping the Lowest Interest Rate Costs More

by Karla Kyte | Jun 25, 2026 | You Need Strategy

One of the biggest mistakes I see in divorce is focusing on a single number instead of the entire financial picture. Recently, I worked with a client who was determined to keep her current mortgage. And on the surface, it made perfect sense. Her interest rate was in...

Why Does My Credit Report Still Show a Balance I Already Paid Off?

by Karla Kyte | Jun 23, 2026 | You Need Strategy

One of the biggest misconceptions borrowers have about credit is believing that lenders can see their credit profile in real time. We can’t. In fact, when a mortgage lender pulls your credit report, we’re only seeing what your creditors most recently...

Divorce Mortgage Planner vs. Traditional Lender: What’s the Difference?

by Karla Kyte | Jun 16, 2026 | Why MDMP

One of the most common things I hear from divorcing homeowners is: “I’ve already talked to a lender.” My response is usually: “That’s great. But what question did you ask them?” Because when divorce is involved, the question...

Staying on a Mortgage After Divorce? Protect Yourself While You Wait

by Karla Kyte | Jun 11, 2026 | You Need Strategy

In many divorces, one spouse needs additional time to refinance a mortgage, complete a loan assumption, or remove the other spouse from a joint debt. When that happens, I often hear the spouse leaving the debt ask: “What happens if they stop making the...
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Recent Posts

  • How to Protect Your Credit During Divorce
  • What Does Winning in Divorce Really Look Like?
  • You Don’t Have to Keep the House to Need a Divorce Mortgage Planner
  • Your Attorney Is an Expert in Law. I’m an Expert in Mortgage Lending. You Need Both.
  • Just Because They Handled the Finances Doesn’t Mean They Understand Mortgages

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