Our Blogs
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...
How I Help Attorneys Prevent Post-Decree Modifications on Real Property
One of the biggest reasons divorce cases come back after final decree? The property agreement doesn’t actually work. Not because it was poorly written— but because it wasn’t aligned with lending guidelines. Where Agreements Break Down On paper, many property...
Divorced… But Still on the Mortgage? The Hidden Risk No One Talks About
I understand the hesitation. You’re going through a divorce, and you’re looking at a 2.75% interest rate thinking: “Why would we ever give this up?” And in an amicable situation, it can feel like the easiest solution is: One person stays in the home Both names stay on...
Cash-Out vs. Buyout Refinance After Divorce: What You Need to Know
Are you planning to refinance after your divorce… but haven’t planned for it yet? Because this is where I see people lose money. And not a small amount. I’m talking about thousands of dollars over time—all because the wrong type of refinance was used....