by Karla Kyte | May 14, 2026 | Mortgage Qualification
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...
by Karla Kyte | May 7, 2026 | Mortgage Qualification
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...
by Karla Kyte | Apr 21, 2026 | Mortgage Qualification
Most people assume the answer is no. They think: “I have to wait until the divorce is finalized… then I’ll figure out where I’m going to live.” And to be honest—most lenders will tell you the same thing. But that’s not always accurate. I’ve helped numerous clients...
by Karla Kyte | Feb 26, 2026 | Mortgage Qualification
One of the most confusing parts of divorce and mortgages is this: A divorce decree does not remove you from a debt — but a lender may still choose not to count that debt when qualifying you for a mortgage. Both statements can be true at the same time. This disconnect...
by Karla Kyte | Feb 20, 2026 | Mortgage Qualification
Doctor loans are often marketed as an ideal solution for high-income professionals. They allow physicians to purchase homes with very low down payments, often as little as 5%, while avoiding private mortgage insurance and preserving cash for other priorities. But when...
by Karla Kyte | Dec 30, 2025 | Mortgage Qualification
If you’re self-employed and going through divorce, understanding how your income is evaluated for a mortgage is critical — and it’s one of the most common places where divorce settlements fall apart after the fact. What many people don’t realize is that lenders are...
