Our Blogs
Is Your Lender Telling You No? Why That Might Not Be the Final Answer
Divorce is overwhelming. When you’re also trying to keep—or qualify for—a mortgage, it can feel like every door is closing. Maybe your lender says you can’t assume the mortgage. Or that you don’t qualify to buy your spouse out. Or that you have to refinance. Here’s...
Why You Need a Divorce Team: Key Experts to Protect Your Finances, Home, and Future
If you’re navigating a divorce, one of the most costly mistakes you can make is trying to do it alone—or assuming that a single professional, like your attorney, can handle everything. The truth is: divorce is more than a legal event. It’s a financial, emotional, and...
Divorce Season: Why Consultations Surge—and What Homeowners Must Know
By Karla Kyte, CDLP® | My Divorce Mortgage Planning | Denver, CO Every January, a predictable pattern sets in: divorce consultations surge. Not because something dramatic happens after the holidays—but because people are ready. They’ve made the decision, or are close...
Divorce and Credit Scores: What Debts Really Count Against You When Qualifying for a Mortgage
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
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)
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
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
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...
Should You Stay on the Mortgage After Moving Out?
Only if there’s a clear, enforceable plan to get you off of it—fast. This is one of the most misunderstood and high-risk areas I see in divorce mortgage strategy. And unfortunately, it’s often overlooked until it’s too late. Let me show you what I mean. A Real Case...
I Don’t Advocate for Divorce—But I Do Advocate for Homeownership
Let’s be clear: I don’t advocate for divorce. What I do advocate for is protecting your ability to stay in homeownership—during and after divorce. Because your home isn’t just an asset. It’s your anchor. And the decisions you make about it today will shape your...