Keep your home, or move on with confidence.
Divorce brings big decisions about the house. Whether you want to stay and refinance an ex-spouse off the loan, or tap equity to settle the split, I'll help you find a mortgage that fits your new chapter.
Financing built around dividing a home fairly.
"Divorce loan" isn't a single product — it's a mortgage strategy for one of the biggest assets a couple shares. Most divorcing homeowners face the same question: does one person keep the house, or do you sell?
If someone stays, the mortgage usually has to be restructured so only that person is on the loan and the other is bought out of their share of the equity. That's where the right financing makes all the difference.
Two common goals:
• Remove an ex-spouse from the mortgage and the title, so only you are responsible for the loan.
• Turn home equity into cash to buy out the other party as part of the settlement.
Ways to handle the home in a divorce
Every situation is different. Here are the paths I most often help clients weigh — we'll figure out which one actually fits your numbers.
Refinance to remove an ex-spouse
Replace the joint mortgage with a new loan in your name alone. This releases your former spouse from the debt and can pair with a title change so the home is fully yours.
Cash-out to buy out equity
Borrow against the home's value to pay your ex their share of the equity in one lump sum — a clean way to settle the property division without selling.
Equity buyout / owelty options
In some states, an owelty lien lets the departing spouse be paid from the home's equity, sometimes allowing more favorable terms than a standard cash-out. We'll check what's available where you live.
Qualify on a single income
Buying a fresh start? We'll structure an approval around your income alone, and factor in support payments where they can help you qualify.
A simple path forward
Apply online or call
Share a few details so we can see how much you qualify for and what your options look like — no pressure, no obligation.
Review your options
We'll walk through refinancing, buyouts, and payments side by side, and coordinate timing with your attorney or decree if needed.
Close with confidence
Get approved and move forward — keeping your home in your name, or stepping into a new one that's all yours.
Not sure where to start? That's okay.
You don't need to have it all figured out. Even a quick conversation — no credit pull required — can help you understand your choices for the home.
This page is for general information only and is not financial, tax, or legal advice. Loan options, owelty liens, and equity buyouts vary by state and individual circumstances, and are subject to credit approval and program guidelines. Please consult your attorney regarding your divorce decree. Contact Catherine Barnett to discuss what fits your situation.