Divorce brings a long list of financial decisions. Most people are focused on dividing assets, determining support, and figuring out what will happen to the family home. While those are certainly important conversations, there's another financial asset that often...

Many people enter a divorce wanting to "win." But what if winning isn't about beating your ex at all? Why So Many People Want to "Win" One of the things I hear from divorcing homeowners isn't usually about the mortgage. It's about the fight. People say things like, "I...

One of the most common things I hear from people going through a divorce is: "I don't want to keep the house, so I don't need to talk to you." I understand why people think that. Most people assume a Divorce Mortgage Planner is only involved when someone wants to keep...

One of the biggest misconceptions I see during a divorce is this: The spouse who handled the finances is automatically the mortgage expert. Sometimes that's true. But many times, it isn't. When couples have been married for years—or even decades—it's common for one...

One of the biggest mistakes I see in divorce is focusing on a single number instead of the entire financial picture. Recently, I worked with a client who was determined to keep her current mortgage. And on the surface, it made perfect sense. Her interest rate was in...

One of the biggest misconceptions borrowers have about credit is believing that lenders can see their credit profile in real time. We can't. In fact, when a mortgage lender pulls your credit report, we're only seeing what your creditors most recently reported to the...

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...

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 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...

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...