COMortgageGal

10/17/2026

Most people think the hard part of divorce and a home is deciding who keeps it.

The harder part is everything moving quietly in the background. Insurance that lapses when a spouse moves out. Title that re-vests by default, not by intent. Liens that attach to the property and outlast the decree.

As a Certified Divorce Lending Professional, I am trained to catch all three early, when they are still options instead of problems.

10/15/2026

A case can be finalized.
Title exposure can remain.

One of the most overlooked risks in divorce settlements is post-decree ownership liability. Awarding possession does not remove a party from title. And remaining on title carries consequences:

• Continued legal responsibility
• Credit and underwriting implications
• Vulnerability to liens and judgments
• Equity confusion at refinance
• Unexpected tax exposure

These issues often surface years later — when a client attempts to refinance, sell, or qualify for new financing.

Real property settlements should be structured with feasibility in mind, not assumptions.

This month’s newsletter outlines the hidden risks of post-decree ownership and why title matters more than possession.

Read it here: https://divorcebriefings.com/4l8kLHV

Strategic settlement planning protects clients long after the decree is signed.

10/13/2026

This time of year reminds us that letting go is part of every season.

As a Certified Divorce Lending Professional (CDLP®), I often see decisions about the home being made before anyone has looked at what they will mean for the mortgage.

If you are going through a divorce, you are letting go of a lot right now. That deserves patience. What comes next deserves a plan.

Before you sign the settlement, find out how its terms will affect your ability to keep the house, refinance, or buy your next home. Getting those answers early gives you the chance to make choices with clear information rather than finding out after the agreement is final.

If you or someone you know is facing these decisions, I would be glad to talk through your situation.

10/08/2026

When property ownership changes, the homeowner's insurance policy usually needs to change too. Miss that step, and you're looking at potential coverage gaps, denied claims, and expensive surprises down the road.

As a CDLP®, helping divorcing homeowners catch issues like this early is exactly what I do. Questions about your situation? Reach out anytime, and read this article: https://bit.ly/4vWsU6F

10/07/2026

This week's Colorado relocation spotlight is Alamosa, and it might be the most affordable move in the whole state. Typical home values here run roughly half the statewide median, which is a different kind of math than anything you'll find on the Front Range or in the mountain towns.

We're covering the real numbers on cost of living, home prices, income, and school ratings, plus why Alamosa stays this affordable, the best things to do in town (Great Sand Dunes National Park included), and the honest trade-offs worth knowing before you make the move.

If you want to talk through what your budget actually looks like out there, you can grab a free 20 minute consult with me as well.

Thinking about moving to Alamosa, Colorado? This rural San Luis Valley town offers some of the state's most attainable housing — typical home values run roughly half of Colorado's statewide median. We break down real numbers on cost of living, average home prices, household income, and an honest l...

10/06/2026

This issue of Divorce Mortgage Insights takes on a question that comes up whenever one spouse keeps the house: who pays for repairs on the marital home?

The article makes a practical point. The settlement agreement is usually signed months before the lender orders its appraisal. If that appraisal lists work the lender requires before closing, and the agreement never said who covers it, the refinance waits while the spouses negotiate after the fact.

It explains how known issues can be handled: an adjusted value, a credit against the buyout, completing the work before the transfer, or a written acknowledgment of condition. It also shows how an agreement can account for problems nobody has found yet, with a trigger, a cost source, a split, a cap, and a plan for the deadline.

If you are an attorney or mediator working on a settlement where the home is staying with one spouse, I am glad to talk through how the refinance side may affect the terms.

Read the full article: https://divorcebriefings.com/4yBlBTD

10/03/2026

Keeping the house isn’t the same as affording the house.
Make sure the numbers support the decision.

The marital home often feels like security during a time of change. But security comes from financial clarity, not assumptions.

After divorce, your income structure changes. Your debt ratios change. Your ability to refinance or remove your spouse from the mortgage depends on specific lending guidelines.

Without proper planning, many people discover too late that they cannot qualify the way they expected.

Before finalizing any agreement involving the home, take the time to understand:
• What you can qualify for
• Whether refinancing is realistic
• How the payment fits your long-term financial goals

The right decision is the one that supports your stability five years from now — not just today.

If you’re facing decisions about the house in your divorce, contact me to review your situation. Let’s make sure your settlement works in real life, not just on paper.

10/01/2026

A note to the family law attorneys, mediators, and financial neutrals I work with:

The financing piece shouldn't be the surprise discovered at closing. By the time a settlement is signed, the mortgage implications are often already locked in — for better or worse.

As a CDLP®, I partner with the divorce team early — running the numbers and pressure-testing the marital balance sheet before terms are final. The result is settlements that hold up when your client goes to refinance or buy.

If you have a case where the home or financing is in play, bring me in early. Let's build a plan that works.

09/29/2026

Keeping the house may be part of the divorce settlement. But can the mortgage plan actually support it?

That’s a question that should be answered before the settlement is finalized.

There are often more pieces involved than simply determining who gets the home:

• Can one spouse qualify for the mortgage independently?
• How and when can support income be used for qualifying?
• Is the proposed equity buyout financially and mortgage-feasible?
• Could the way the settlement is structured create a financing problem later?

This is why mortgage planning belongs at the beginning of the divorce process, not at the end.

As a Certified Divorce Lending Professional (CDLP®), I work alongside divorce professionals and their clients to evaluate the mortgage implications of the marital home before decisions become final.

The goal is to identify potential obstacles early, provide clarity around available mortgage options, and help the professional team make informed decisions with the financing piece in view.

If you’re an attorney, mediator, financial professional, or real estate professional working with a divorcing client where the home is part of the conversation, reach out to me.

09/26/2026

In divorce cases involving real property, I often see decisions driven by emotional attachment, anchoring to unrealistic numbers, or assumptions about future financing.

The reality is this: If the numbers don’t work in practice, the settlement doesn’t work in real life.

Financial biases, like loss aversion or anchoring to early settlement numbers, can significantly influence negotiations and long-term outcomes. Bringing objective financial analysis into the process helps ensure decisions are based on data, not assumptions.

If real property is part of the settlement, determining value and feasibility early can make the difference between a workable agreement and future restructuring.

Read the article here:
https://www.divorcelendingassociation.com/blog/financial-biases-in-divorce-strategies-for-divorce-financial-planning.cfm

If you’re an attorney, mediator, or financial professional and want to incorporate mortgage feasibility and valuation strategy into your cases, I’m always happy to collaborate.