For Divorcing Homeowners
You Don't Have to Figure Out the House and Mortgage Alone.
The marital home is often one of the largest financial and emotional decisions in a divorce. Barb helps you understand what may be possible from a mortgage standpoint so you can make decisions based on real numbers—not assumptions.
New here? Start with the divorce mortgage planning overview.
Questions We Can Help You Explore
Mortgage, Title, and the Divorce Agreement Are Not the Same Thing
Divorce Agreement
May establish what each spouse is required to do.
Property Title
Identifies who legally owns the property.
Mortgage Note
Identifies who remains financially responsible for the loan.
Changing one does not automatically change the others. A spouse may be removed from title but remain responsible for the mortgage, or may be awarded the home without automatically qualifying to refinance it. Your attorney provides legal guidance; Barb helps evaluate the mortgage side of the plan.
What a Divorce Mortgage Review Looks Like
Understand Your Goals
Discuss whether you hope to keep the home, sell it, refinance it, complete an equity buyout, or purchase another property.
Review the Mortgage Picture
Evaluate the existing mortgage, income, credit, debts, assets, support arrangements, and expected timeline.
Map the Available Paths
Identify potential mortgage options, documentation requirements, timing concerns, and issues that may need to be addressed.
Coordinate With Your Team
With your authorization, Barb can collaborate with your attorney, mediator, financial professional, or real estate professional so the mortgage information can be considered during the process.
A Personalized Mortgage Analysis
Your Mortgage Situation, Organized and Easier to Understand
Divorce can involve mortgage, property, income, debt, and settlement information coming from several different sources. When appropriate, Barb offers a separate divorce mortgage planning engagement that may include preparation of a personalized CDLP® Divorce Mortgage Planning and Real Property Report.
The report organizes relevant mortgage information and can help you and your professional team better understand potential housing and financing considerations. The scope, process, and any applicable fee will be explained and agreed upon before work begins.
This report is prepared specifically for your circumstances. It is not an instant online report, an appraisal, a loan approval, or legal, tax, valuation, real estate, or financial-planning advice.
Start With the Home & Divorce Guide
This complimentary two-page guide outlines seven important mortgage and housing considerations to review before decisions about the marital home become part of the final divorce agreement.
More reading: Divorce Mortgage Resources
Before You Agree to Keep the House, Make Sure the Mortgage Plan Works.
Schedule a private conversation to better understand your options and potential next steps.
Information provided is for educational purposes only and is not legal, tax, real estate, or financial-planning advice. Mortgage eligibility, loan terms, and approval depend on the borrower's individual circumstances, documentation, property eligibility, applicable loan-program requirements, and lender underwriting. Consult the appropriate members of your professional team regarding your specific situation.