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Understanding Divorce Mortgage
Divorce is one of the most common triggers for mortgage restructuring. Whether you are keeping the family home or purchasing a new one, understanding your mortgage options is critical. Refinancing removes an ex-spouse from the loan, cash-out refinancing funds equity buyouts, and new purchase loans help the departing spouse establish independent homeownership. NMHL has helped thousands of divorcing borrowers navigate these transitions.
Thousands of borrowers navigate this successfully every year
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Proven solutions for divorce mortgage
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Frequently Asked Questions
The most common method is refinancing the mortgage into your name only. This creates a new loan solely in your name and pays off the old joint mortgage. Your ex-spouse is then fully removed from the loan obligation. Simply being awarded the house in the divorce decree does not remove your ex from the mortgage. A refinance is typically required.
Yes. Many borrowers successfully qualify on a single income. FHA loans, VA loans, and conventional loans all work for single-income borrowers. If you receive alimony or child support, this can be counted as qualifying income if it has been documented for at least 6 months and is likely to continue. NMHL evaluates your full financial picture.
If the divorce decree awards you the home but requires you to pay your ex-spouse their equity share, a cash-out refinance can fund this buyout. You refinance for a higher amount, use the cash to pay your ex-spouse per the decree, and the mortgage is now solely in your name. This is typically done in one transaction.
Yes, in most cases. To use alimony or child support as qualifying income, you typically need to provide documentation that it has been received for at least 6 months and that it is likely to continue for at least 3 years from the mortgage application date. The divorce decree, bank statements showing deposits, and court orders serve as documentation.
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