You searched:
“how to get a mortgage after divorce”
Divorce reshapes every part of your financial life, and buying a home on your own afterward can feel impossible. But single-income buyers purchase homes every day, and programs exist to help you qualify based on alimony, child support, and your individual income.
Take a breath. Help is here.
- You are not alone -- thousands of people search this every month
- Real options exist for your specific situation
- No judgment -- just honest guidance from licensed professionals
We've Helped Others in Your Situation
Why This Happens
Understanding the common reasons -- and knowing that each one has a path forward.
- 1Loss of dual-income householdSolution exists
- 2Credit damage from joint debts during divorceSolution exists
- 3Name removal complications on existing mortgageSolution exists
- 4Depleted savings from legal costsSolution exists
There's Always a Path Forward
Being denied feels overwhelming, but it doesn't mean your homeownership dream is over. Our specialists work with challenging situations every single day.
Your Options Right Now
Use Alimony and Child Support as Income
Documented alimony and child support received for 6+ months can count as qualifying income for FHA, VA, and conventional loans.
Available nowFHA Fresh Start
FHA loans allow lower credit scores and higher DTI ratios, ideal for recently divorced buyers rebuilding.
Available nowRemove Name from Existing Mortgage
Your ex can refinance to remove you, or you can document the divorce decree to exclude the old payment from your DTI.
May take timeTalk to someone right now
No automated menus. A real licensed mortgage professional who understands your situation.
(248) 864-2200Rebuilding after divorce? We can help you find your next home.
Start Your Application
Takes about 5 minutes. No obligation. No credit check until you are ready.
Our Presence
Click on endorsed states to see our direct resources!
Frequently Asked Questions
Yes, if you have received it consistently for at least 6 months and it will continue for at least 3 more years per your divorce decree.
It depends on how debts were divided, your individual credit score, and your solo income. Many divorced buyers qualify for more than they expect.
If the divorce decree assigns the mortgage to your ex, many lenders will exclude that payment from your DTI with proper documentation.
Rebuilding after divorce? We can help you find your next home.
We will reach out at a time that works for you. No pressure, no obligation.