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.
Five facts about your current mortgage that change which housing options are actually on the table — and the audit that surfaces them before settlement language locks them in.
Five facts about your c...
Can I Assume the Mortgage in a Divorce? The Complete 2026 Guide | DivorceHousing
Two types of assumption, federal protection, the state-law wave, the s
...
The divorce decree assigns debts. The original creditor contract doesn't care. Here's how that gap quietly determines whether the refinance closes — and what to model before the settlement is signed.
...
Why a standard affordability calculation can clear with room to spare and still produce a housing payment the lender won't approve — or the homeowner can't sustain.
Why a standard affordability calcu...
The standard formula for a divorce house buyout misses four variables that determine whether the buyout can actually be funded. Here's what changes when a CDLP® runs the numbers.
Why the "fair" buyou...
How divorcing Wyomingites navigate W.S. § 20-2-114's all-property reach and "merits of the parties" factor, leverage the no-state-income-tax advantage for refinance qualification, and structure equity...
How divorcing West Virginians benefit from W.Va. Code § 48-7-103's strong equal-division mandate, navigate the most predictable equitable distribution framework in the country, and structure equity bu...
How divorcing Vermonters navigate 15 V.S.A. § 751's all-property reach and twelve statutory factors — including the influential custodial-parent homestead preference — and structure equity buyouts tha...
How divorcing Utahns navigate Utah Code § 30-3-5's strong rehabilitative alimony preference, the duration cap that often falls below the lender's three-year threshold, and structure equity buyouts tha...
How divorcing South Dakotans navigate SDCL § 25-4-44's fault-relevant property division, leverage the no-state-income-tax advantage for refinance qualification, and structure equity buyouts that fund ...
How divorcing South Carolinians use the one-year separation period strategically, navigate § 20-3-620's fifteen factors (including fault), the adultery bar to alimony under § 20-3-130, and structure e...
How divorcing Rhode Islanders navigate R.I.G.L. § 15-5-16.1's conduct factor in property division, leverage the state's consistent case law, and structure equity buyouts that fund — and why a Certifie...