Divorce support for real estate and mortgage professionals
The house is usually the largest decision in the divorce.
It is estimated that roughly 732,000 home sales in the US each year are tied to divorce, based on about 1.2 million divorces annually, of which around 61% result in the sale of the home.
Clients often decide to keep the house before anyone has checked whether they can carry it, and that decision drives the rest of the settlement.
We run the numbers first, so the housing conversation you have with them is grounded.
Where we come in
- Whether keeping the home is affordable on one income
- Refinance and buyout scenarios
- What trading equity for the house actually costs
- Timing of a sale against the settlement
THE REAL ESTATE PARTNERSHIP
Meet Sydney
Sydney is a trusted real estate and mortgage professional who was helping a couple navigate the housing decisions tied to their divorce. Both spouses were emotional, unsure whether keeping or selling the home made sense, and unclear about how refinancing or qualifying for a new mortgage would work after the split. Sydney could guide them on the lending rules and market realities, but she needed clearer financial projections to help her clients avoid decisions that would strain them long term.
What we did
We partnered with Sydney to model the financial impact of each housing option, including selling the home, one spouse buying out the other, or refinancing under new income and debt conditions. We built cash flow projections that showed how each choice would affect affordability, reserves, taxes, and overall long term stability. We also created simple breakdowns Sydney could use to help her clients understand what was financially realistic before moving forward with a listing or loan application.
The result
With solid financial clarity in place, Sydney’s clients could make housing decisions with confidence instead of fear. They understood exactly what they could afford, avoided unrealistic loan expectations, and chose a path that protected their long term stability. Sydney was able to guide them more effectively, reduce stress, and move the process forward smoothly.
When real estate and mortgage professionals partner with CDFAs, clients make smarter housing decisions, avoid costly missteps, and move through divorce with clarity and confidence.