Divorce Home Planning
Make informed decisions about the home before decisions are finalized.
During divorce, housing decisions often come with tight timelines and uncertainty. This consultation helps you understand what may be realistic before your separation agreement is signed.
A consultation may be helpful if you are trying to understand:
whether keeping the home is realistic
whether refinancing will actually be possible
how support income may affect mortgage options
whether a timeline in the agreement makes sense and is feasible
what happens if one spouse cannot qualify
whether buying another home later may be possible
The goal is to bring clarity to the housing decision in front of you, so you can move forward with better information and fewer surprises.
What we’ll look at together
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Current Housing Situation
We review your current mortgage, ownership structure, and what the agreement is proposing.
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Income and Qualification Factors
We look at the types of financial details that may affect future mortgage options, including employment, support income, debt, credit and timing.
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Refinance or buyout expectations
If one spouse hopes to keep the home, we’ll discuss the practical considerations that may affect whether that plan appears realistic.
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Next-step options
If the current plan may be too difficult to complete, we’ll talk through what questions, alternatives, or next steps may be worth considering.
Options for Handling the Mortgage
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Selling the home and dividing the proceeds may be the simplest solution, or the only financially feasible. Selling the home can provide a clean separation and each spouse can walk away with their share of the equity.
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If one spouse wishes to keep the home, they can refinance the mortgage to remove the departing spouse and put the mortgage and title ownership in their name. This requires qualifying for the new refinanced loan.
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In some specific cases, one spouse may assume the existing mortgage. This option requires approval from the current lender and has its own financial criteria. Equity buyouts aren’t possible in a loan assumption without additional financing.
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In some situations, divorcing spouses may decide to keep the home jointly for a period of time, especially when maintaining stability for children is a priority. If this is being considered, it’s important to understand how the mortgage, ownership responsibilities, and future timeline will be handled.
Planning options
Individual Consultation
For one person who wants clearer information before making decisions about the home.
This may be a good fit if you are trying to understand whether keeping the home, refinancing, selling, or buying again may be realistic based on your situation.
Fee: $675
Includes:
review of your current housing goal
discussion of practical lending considerations
identification of possible obstacles or timing concerns
guidance on questions to raise with your attorney, mediator, or financial team
Mortgage Feasibility Report summarizing key findings and next steps
Joint Consultation
For both homeowners who want a shared understanding of the housing options being considered.
This may be helpful when both parties want a neutral conversation around refinance feasibility, buyout expectations, timing, or possible next steps for each person individually.
Fee: $975
Includes:
review of the shared housing goal
discussion of refinance, sale or buyout considerations
identification of practical issues that may affect the proposed plan
guidance to support more informed settlement conversations
Mortgage Feasibility Report summarizing key findings and next steps
Most consultations are designed to include the planning session, review time, and preparation of your Mortgage Feasibility Report. If your situation involves multiple properties, more complex income structures or ownership details, or additional review beyond the standard scope, an additional fee may apply. If that comes up, we’ll talk through it clearly before any additional work is completed.
Mortgage Feasibility Report
As part of the consultation process, you’ll receive a written Mortgage Feasibility Report that summarizes the housing and mortgage considerations reviewed during your planning sessions.
This report is designed to help you better understand what may be realistic, what questions may still need to be addressed, and what next steps may be worth discussing with your attorney, mediator, or financial professionals. This is a great tool to take to them to help shape your separation agreement into something practical and realistic.
It is not a loan approval, legal advice, or a guarantee of financing. Instead, it is a planning tool designed to bring more clarity during the divorce process.
FAQs
Why is this a fee-based service?
Because this is a planning-focused service, the goal is to provide practical and unbiased guidance about what may be realistic — not to steer you toward a particular outcome.
When you are making decisions about the home during divorce, it can be helpful to have a conversation that is focused solely on clarity, feasibility, and next steps. In other words, we want to focus on you, not hunt for the next mortgage commission!
Is this the same as applying for a mortgage?
No. This is not a loan application, and there is no obligation to pursue financing.
The consultation is designed to help you better understand where you are at with the house and the possible options for it after divorce. If you decide to explore mortgage financing later, that would be handled separately.
Do I need to have documents ready before we meet?
Not always. Many consultations begin with a conversation about your situation, your goals, and the questions you are trying to answer.
If specific documents or details would be helpful, we can identify those together.
Can this help if I am not sure whether I want to keep the home?
Yes. You do not need to know the final answer before scheduling. This process can help you better understand what may be possible so you can make a more informed decision that better fits what you want.
Can my attorney or mediator be involved?
Yes. With your permission, I can help provide mortgage-related clarity that supports the conversations already happening with your professional team.
What is a Mortgage Feasibility Report
A Mortgage Feasibility Report is a written planning summary that outlines the mortgage-related considerations connected to your housing goals during divorce. It may include items such as refinance feasibility, income or debt considerations including how to position potential buyouts or support income, timing concerns, possible obstacles, and practical next steps.
It is not a loan approval or a guarantee of financing. It is designed to help you and your professional team make more informed decisions before agreements are finalized.