NicLoans.RanLife Home Loans
After Divorce

One household became two. Here's how the mortgage part works.

Keeping the house, leaving the house, buying your own — divorce mortgage questions are half math, half paperwork, and all stress. Let's take the mortgage off the pile.

Sort out your options

How it works

01
Read the decree like a lender

Nic maps what it obligates, what it awards, and what underwriting will make of it.

02
Settle the old house

Refinance to keep it (and buy out your ex), or sell and split — with real numbers for both.

03
Rebuild your solo file

One income, new budget, honest pre-approval. Freedom has a price range.

04
Buy the fresh start

When the timing's right — and not a day before it works on paper.

Quick requirements

Anyone mid-divorce or recently divorced who needs to keep, exit, or replace a home — without adding financial mistakes to a hard year.

The divorce decree is a lending document — what it says about the house and support drives everythingSupport payments count: received support can qualify as income; paid support counts as a debtGetting a name off the old mortgage almost always takes a refinance — a signed quitclaim alone doesn't do itEquity buyouts can often be built into that same refinanceYour own fresh start purchase can sometimes run in parallel — sequencing is everything

General guidelines, not a loan offer — programs and terms depend on your full picture.

Ready for real numbers?

No pressure, no jargon — just a straight answer about where you stand.

Apply NowSchedule a Meeting