Mortgages Through a Divorce
Whatever stage you're at, you don't have to sort this out alone, or all at once. Here's what to know, a free estimate of what's possible, and some encouragement for the road ahead.
A separation touches almost everything at once, and the family home is usually the biggest piece of it. If you're hoping to keep it, a spousal buyout, refinancing to pay out your ex's share of the equity, is typically how that happens. If you're not sure yet whether keeping it even makes sense, that's a completely reasonable place to be too.
Either way, real numbers tend to help more than guessing. Below is a free, private estimate of what a buyout could look like for your situation, along with some articles written specifically for people going through this, not just the transaction, but the whole transition.
What Could You Afford to Keep?
A quick, private look at what a spousal buyout could cost, and what you could likely qualify for on your own income.
Enter your info to get access to the free estimate.
This is a plain-language starting point, not a pre-approval. It estimates property tax and heating costs rather than asking for them, and assumes a 25-year amortization at the stress-tested qualifying rate. Your actual numbers may look somewhat different once we look at your full picture together, and that's a conversation we're glad to have whenever you're ready.
Articles on Divorce & Your Mortgage
You Don't Have to Have It All Figured Out Yet
A gentle look at taking this one step at a time, without rushing into a decision before you're ready.
Read the ArticleProtecting Your Financial Footing During a Separation
Practical steps to protect your credit and finances while things are still being sorted out.
Read the ArticleBuying Out Your Home in a Divorce
The full, plain-language guide: valuing the home, the Spousal Buyout Program, the Land Transfer Tax exemption, and real closing costs.
Read the ArticleRebuilding After Divorce: A Financial Fresh Start
An encouraging look at what comes next: rebuilding credit, savings, and your own path forward.
Read the ArticleYou Don't Have to Do This Alone
Divorce is one of the biggest financial transitions most people go through, and it's normal for the mortgage side of it to feel overwhelming on top of everything else. You're allowed to take this at your own pace, ask questions as they come up, and get real numbers before you have to make any big decisions. We're here whenever that time comes, for you.