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...

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...

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...

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...

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...

There is a conversation happening quietly—and sometimes uncomfortably—inside divorce proceedings that doesn’t get talked about nearly enough. And as a woman, a mortgage professional, and someone who has been the primary income earner in my own household for many...

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...

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...

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...