Divorce & Real Estate: How to Qualify for a Refinance or Home Purchase After Divorce

Описание: Going through a divorce and wondering what happens to the house? 🏠
In this class, we break down how to refinance, buy, or sell a home during or after divorce — and how real estate agents, mortgage lenders, divorce attorneys, and mediators can work together to prevent financial disaster.

With nearly 40–43% of first marriages ending in divorce, real estate is often the largest asset to divide. The key is getting the right professionals involved early — before the divorce decree is finalized.

In this training, you’ll learn:

✅ How refinancing works during divorce
✅ The difference between cash-out vs rate-and-term refinance
✅ FHA vs Conventional loan requirements for alimony & child support
✅ How long you must receive child support to qualify (3 vs 6 months rule)
✅ 36-month continuance requirement explained
✅ How to structure divorce settlements for mortgage approval
✅ Using alimony as income (and how to gross it up)
✅ Court-ordered debt assignments & how they affect DTI
✅ Multiple FHA loan exceptions in divorce
✅ No-income loan options, asset depletion loans & bank statement loans
✅ How to protect credit from post-divorce foreclosure issues
✅ Why divorce attorneys should involve lenders BEFORE final settlement

💡 The biggest mistake? Negotiating equity or refinance timelines without knowing what the home is truly worth or whether someone qualifies.

If you’re:

A real estate agent working with divorcing clients

A mortgage lender wanting to specialize in divorce lending

A divorce attorney or mediator

Or someone personally going through divorce

This guide will help you avoid costly mistakes and structure a clean financial separation.

Divorce doesn’t have to be a financial disaster — but timing, loan structure, and proper qualification are everything.

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00:00 Introduction to Divorce & Real Estate
03:15 Why Early Involvement Matters
08:40 Equity Analysis & Appraisals
15:20 Child Support & Alimony Rules (3 vs 6 Months)
20:10 36-Month Continuance Requirement
24:30 Debt-to-Income & Divorce Settlements
29:50 Multiple FHA Loan Exception
34:40 Credit Risks After Divorce
40:15 Rate & Term vs Cash-Out Refinance
46:30 Creative Loan Solutions (No Income, Asset Depletion)
52:10 Working with Divorce Attorneys