Articles

Divorce Housing Insights

Articles on the marital home in divorce: keeping it, selling it, refinancing, buyouts, equity, and mortgage qualification, from a Certified Divorce Lending Professional.

The Roof Nobody Mentioned: Who Pays for House Repairs in a Divorce

October 2, 2026

If you are keeping the house, the repairs come with it. Here is how to settle who pays for known repairs and the ones a lender finds after the divorce.

What Is a Divorce Housing Neutral? When You Both Need One Answer

October 2, 2026

Two attorneys, two answers about the house. A divorce housing neutral gives both spouses one tested answer. What a neutral does, why they never do your loan, and when one fits.

Types of Divorce Mediation: How to Choose the Right One and Protect Your Home

September 23, 2026

Learn the types of divorce mediation, which one fits your situation, and how to make sure your plan for the house will actually be approved by a lender.

Keeping the House in a Delaware Divorce: Family Court and Your Mortgage

September 20, 2026

Keeping the house in a Delaware divorce? How Family Court property division, the buyout, and lender qualification fit together before you sign.

Keeping the House in Connecticut, Where Every Asset Is on the Table

September 20, 2026

Connecticut courts can divide every asset, including the house. How that shapes the buyout and whether you can qualify to refinance in your own name.

Equity Isn’t Cash: What Divorcing Women Need to Know Before Saying “I’ll Keep the House”

September 20, 2026

Learn why home equity isn't the same as cash in divorce, and how to make wise, strategic housing decisions that protect your financial future.

Keeping the House in a Georgia Divorce: Whose Money Bought It Matters

September 19, 2026

In a Georgia divorce, whose money bought the house can change the equity split. How that affects the buyout and whether you can refinance alone.

Keeping the Florida House: Homestead, Tax Caps, and Your Refinance

September 19, 2026

Keeping the Florida house means planning for homestead rules, tax caps, and a refinance on one income. What to check before your settlement is signed.

Why a Strong Financial Advocate is Critical When Preparing for Mediation

September 18, 2026

Prepare for mediation with confidence. Learn how a CDFA® and CDLP® work together to protect your financial future and create sustainable divorce settlements.

Idaho's Fast Divorce Timeline and Keeping the House

September 18, 2026

Idaho divorces can move fast, but refinances do not. How to line up mortgage qualification with the timeline before you agree to keep the house.

Keeping the House in a Hawaii Divorce: High Values, Hard Qualifying

September 18, 2026

High home values make keeping the house in a Hawaii divorce hard to finance. How lenders weigh one income, the buyout, and the refinance before you sign.

Keeping the House in an Iowa Divorce: Equity, Income, and Timing

September 17, 2026

Awarded the house in an Iowa divorce? How equity, post-divorce income, and refinance timing decide whether you can actually keep it, before you sign.

Keeping the House in Illinois When Maintenance Sets Your Budget

September 17, 2026

Keeping the house in an Illinois divorce often depends on maintenance. How lenders count it, and how to test the refinance before your settlement is final.

Keeping the House in a Kentucky Divorce: Separate Property Surprises

September 16, 2026

Separate property can surprise you when keeping the house in a Kentucky divorce. How it affects the buyout and whether you can refinance alone.

Keeping the House in a Kansas Divorce, Where All Property Counts

September 16, 2026

Kansas courts can reach all property in a divorce, including the house. How that affects the buyout and whether you can qualify to refinance.

The Divorce Mortgage Planning Report: A Guide for Attorneys, Mediators, and Financial Neutrals

September 16, 2026

What is the Divorce Mortgage Planning Report? A guide to the CDLP®-produced analysis your attorney, mediator, and financial neutral can use.

Keeping the House in a Maine Divorce: The Two-Step Property Split

September 15, 2026

Maine divides property in two steps. How that affects the house, the buyout, and whether you can qualify to refinance after your divorce.

Keeping the House in Louisiana: Community Property, Partition, and You

September 15, 2026

Louisiana is a community property state where the house may need a partition. How that and the refinance affect whether you can keep the home.

California's AB 3100: The 2027 Divorce Mortgage Assumption Law

September 15, 2026

From January 1, 2027, California law lets a divorcing spouse assume a conventional mortgage and keep its rate. What AB 3100 covers, and what it does not.

What Happens If Your Ex Does Not Refinance After the Divorce

September 14, 2026

When the refinance deadline passes, nothing happens automatically. Here is why it failed, what your options are, and how to stop it happening at all.

Keeping the House in Massachusetts: Broad Discretion, Real Numbers

September 14, 2026

Massachusetts courts have broad discretion over the house, but lenders use real numbers. How to test the refinance before your settlement is final.

Maryland's Monetary Award and Keeping the House After Divorce

September 14, 2026

Maryland can use a monetary award to balance property division. How that affects the house buyout and whether you can refinance before you sign.

Keeping the House in a Minnesota Divorce: Marital vs. Non-Marital Lines

September 13, 2026

Minnesota separates marital from non-marital property. How those lines affect the house, the buyout, and whether you can qualify to refinance.

Keeping the Michigan House: Property Taxes Change When Titles Change

September 13, 2026

In Michigan, property taxes can change when the title changes. How that, the buyout, and your income affect keeping the house after divorce.