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Staying on a Mortgage After Divorce? Protect Yourself While You Wait
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 payments?" or...
Does Waiting for a Divorce Refinance Prevent You from Buying a Home?
One of the most common mistakes I see in divorce negotiations involves the timeline for refinancing or removing a spouse from the mortgage. Many people believe that if their name remains on the marital mortgage after divorce, they won't be able to qualify to buy...
The Divorce Problem Nobody Is Talking About: When There Isn’t Enough Equity for a Clean Exit
For years, one of the biggest questions in divorce was: Who gets the house? Today, I'm seeing a different problem emerge. The question is no longer just who keeps the home. The question is: What happens when there isn't enough equity for a clean exit? As housing...
Divorce Court Ordered the Home to Be Sold. What Happens If It Doesn’t Sell?
One of the most common assumptions in divorce is that if the court orders the marital home to be sold, the problem is solved. The house gets listed. The house sells. The mortgage gets paid off. Everyone moves on. But what happens when the home doesn't sell?...
When Only One Spouse Is on the Mortgage: One of the Simplest Ways to Divide a House in Divorce
When a divorcing couple owns a home together, many people assume that refinancing is automatically required if one spouse is going to keep the property. In reality, one of the simplest real estate scenarios in divorce occurs when both spouses are on title, but only...
Why Attorneys Should Stop Sending Divorcing Clients to “Just Any Lender”
One of the biggest mistakes I see in divorce cases happens before the settlement agreement is even finalized. The attorney asks the client to: “Call your lender and see if the loan is assumable.” “See if you qualify to refinance.” “Talk to your mortgage company about...
Why Your Divorce Appraisal May Not Work for a Mortgage Refinance
One of the biggest surprises divorcing homeowners face is this: The appraisal used during the divorce process often cannot be used by the mortgage lender later. And unfortunately, this issue can create major problems when it comes time to refinance, buy out an...
Divorce and Mortgage Assumptions: What’s Your Backup Plan?
Today was a perfect example of why this matters. I had one client approved for a release of liability (loan assumption)… and another denied. And I’ll be honest— the denial wasn’t surprising. But that’s exactly the point. Assumable Doesn’t Mean Approved There’s a big...
Going Back to Work After Divorce? Make Sure Your Income Actually Counts
If you’re going through a divorce and planning to return to work—or increase your income—there’s something important to understand: Not all income is treated the same when it comes to mortgage qualification. And the choices you make when taking a job can directly...
Credit After Divorce: The Hidden Barrier to Homeownership
When people think about qualifying for a mortgage after divorce, they usually focus on one thing: Income. How much support will I receive? Will I make enough to qualify? But there’s another piece—one that can completely derail homeownership plans: Credit. It’s Not...