For people navigating divorce
Review the home, mortgage, equity and future housing implications before making major housing decisions.
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303.809.5626
Organize the home, equity, mortgage liability, sale or refinance questions before agreements are final so the housing plan reflects realistic real estate and financing options.
SCHEDULE A PRIVATE CONSULTATIONBACK TO HOMEEnter the property address to receive a personalized myHomeIQ home value and equity report. Use it as a starting point for evaluating whether the home may be kept, sold, refinanced or considered in an equity-buyout discussion.
Review the home, mortgage, equity and future housing implications before making major housing decisions.
START A PRIVATE CONVERSATION →Bring Randy in early to help analyze whether proposed housing and financing outcomes appear practical before settlement terms are finalized.
VIEW PROFESSIONAL RESOURCE →Important housing decisions are often made while legal, financial and emotional issues are moving at the same time. A home may be the largest shared asset and the mortgage may be one of the largest shared liabilities. Before agreeing to sell, refinance, transfer ownership or buy another property, it helps to understand how those choices work together.
Review estimated value, mortgage balances, liens, ownership, equity and realistic selling costs.
Consider affordability, equity buyout needs, future housing plans and whether one spouse can realistically carry the property.
Evaluate income, debts, credit, assets, support obligations, documentation and loan requirements before relying on a refinance or new purchase.
Understand the estimated net equity and how a proposed buyout or sale may interact with financing and cash needed for the next home.
The timing of a listing, closing, refinance, title change and future purchase can affect qualification and available options.
Estimate buying power and cash needs so each client can make informed decisions about life after the marital home.
How property or debt is assigned in a divorce does not automatically change a lender’s contract. Mortgage liability, title and future qualification should be reviewed separately and coordinated with the appropriate attorney, tax professional and financial advisor.
Randy has experienced the financial and real estate complexities of divorce personally. He understands firsthand that decisions involving the family home, mortgage, equity, debt and future housing can affect both parties long after the paperwork is signed. He combines that personal perspective with decades of mortgage lending experience and his work as a Colorado real estate professional to help clients understand practical housing and financing options.
Randy does not provide legal or tax advice. His role is to help analyze the real estate and mortgage implications and, when appropriate, coordinate with the client’s divorce attorney, CPA, financial advisor or other professionals.
Develop a pricing, preparation, marketing and timing plan while estimating net proceeds for planning purposes.
Review affordability and potential refinance or other lender-approved financing options before assuming the plan will work.
Review income, support, debts, assets, credit and timing to establish a realistic path to the next home.
That depends on equity, affordability, financing, timing, the divorce agreement and each party’s future housing needs. The real estate and mortgage consequences should be reviewed before a final decision.
Potentially. The spouse keeping the home generally needs to qualify for the new financing based on applicable income, debts, credit, assets, equity and loan requirements.
Not by itself. Ownership rights and mortgage liability are separate issues. A lender-approved refinance, assumption when available, sale or other lender-approved solution may be needed to change mortgage liability.
Ideally before housing and financing terms are finalized, because support obligations, debt allocation, equity, title, timing and documentation can affect future mortgage qualification.
Every divorce is different. Start with a confidential conversation about the property, mortgage, equity and your next-housing goals.
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