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Divorce Housing Insights

Housing decisions during divorce often involve the intersection of legal agreements, financial restructuring, and mortgage feasibility. Divorce Housing Insights provides educational articles designed to help individuals better understand how housing, mortgage responsibility, and financial structure interact during the divorce process. These insights explore common questions surrounding refinancing, property division, settlement timing, and long-term housing sustainability.

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Arizona Equity Buyout, Disclaimer Deeds & Community Lien Planning arizona arizona divorce cdlp community lien community property disclaimer deed divorce mortgage planning equity buyout May 07, 2026

How divorcing Arizonans handle disclaimer deeds, calculate community liens on sole-and-separate property, and structure equity buyouts under A.R.S. § 25-318 — and why a Certified Divorce Lending Profe...

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Washington Equity Buyout & Just-and-Equitable Planning cdlp cir community property divorce mortgage planning equity buyout just and equitable washington washington divorce May 07, 2026

How divorcing Washingtonians structure equity buyouts under RCW 26.09.080's broad just-and-equitable standard, account for Puget Sound home values, and qualify for the financing required to fund them ...

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Virginia Equity Buyout & Brandenburg Formula Planning brandenburg formula cdlp divorce mortgage planning equitable distribtuion equity buyout hybrid property pendente lite virginia virginia divorce May 07, 2026

How divorcing Virginians apply the Brandenburg formula to hybrid property under Va. Code § 20-107.3, structure equity buyouts that fund, and use the separation period for capacity planning — and why a...

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North Carolina Equity Buyout & Divisible Property Planning cdlp divisible property divorce mortgage planning equitable distribution equity buyout nc divorce north carolina one-year separation May 07, 2026

How divorcing North Carolinians account for divisible property — appreciation between the date of separation and distribution — under N.C.G.S. § 50-20's three-category property scheme, structure equit...

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Georgia Equity Buyout & Source of Funds Planning cdlp divorce mortgage planning equitable distribution equity buyout georgia georgia divorce senior tax exemption source of dunds May 07, 2026

How divorcing Georgians apply the source of funds rule from Thomas v. Thomas to mixed-fund properties, structure equity buyouts that reflect the proportional analysis, and qualify for the financing re...

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Ohio Equity Buyout, Dower & Active Appreciation Planning active appreciation cdlp divorce mortgage planning dower equal division equity buyout ohio ohio divorce May 07, 2026

How divorcing Ohioans handle dower release timing, distinguish active from passive appreciation, and structure equity buyouts under Ohio's equal-division presumption — and why a Certified Divorce Lend...

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Illinois Equity Buyout & Statutory Maintenance Planning cdlp dissipation divorce mortgage planning equitable distribution equity buyout illinois illinois divorce statutory maintenance May 07, 2026

How divorcing Illinoisans use the state's statutory maintenance formula to build predictable post-divorce qualifying income, structure equity buyouts that fund, and account for dissipation findings — ...

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Pennsylvania Equity Buyout & Increase-in-Value Planning apl cdlp divorce mortgage planning equitable distribution equity buyout incre-in-value pennsylvania divorce pennyslvania May 07, 2026

How divorcing Pennsylvanians structure equity buyouts that properly value the marital estate's increase-in-value claim on non-marital property under 23 Pa.C.S. § 3501(a.1) — and why a Certified Divorc...

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New York Equity Buyout & Co-op Share Loan Planning cdlp co-op divorce mortgage planning drl 236b equitable distribution equity buyout new york nyc divorce share loan May 07, 2026

How divorcing New Yorkers structure equity buyouts and co-op share-loan refinances that account for board approvals, statutory maintenance, and Domestic Relations Law § 236(B)'s thirteen-factor divisi...

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Texas Equity Buyout & Owelty Lien Planning cdlp community property divorce mortgage planning equity buyout owelty lien section 50(a)(6) texas texas divorce May 07, 2026

How divorcing Texans use the Owelty of Partition Lien to fund equity buyouts at 95–100% LTV — bypassing the Texas constitutional 80% cash-out cap — and why a Certified Divorce Lending Professional (CD...

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California Equity Buyout & Moore/Marsden Apportionment Planning california california divorce community property divorce mortgage planning equity buyout moore/marsden prop 13 May 07, 2026

How divorcing Californians structure equity buyouts that price Moore/Marsden community claims correctly, preserve Prop 13 base year value where possible, and account for date-of-separation impacts — a...

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Florida Equity Buyout & Save Our Homes Portability Planning cdlp divorce mortgage planning equitable distribution equity buyout florida florida divorce marital home save our homes portability May 07, 2026

How divorcing Florida homeowners structure equity buyouts that preserve the Save Our Homes tax benefit for both spouses — and why a Certified Divorce Lending Professional (CDLP®) belongs at ...

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