10/28/2026
THIS STUFF SHOCKS ME!!!
Just got off the phone with a friend of mine and I was inspired to talk about something that gets missed in almost every divorce where a house is involved.
The mortgage.
CAN YOU BELIEVE THIS HAPPENS!? People sign a quitclaim deed and think they're free and clear. Nope. That deed only changes the name on the title. If your name is on the loan, that debt is still yours, and it will absolutely count against you when you try to buy your next place.
And it gets worse. This stuff gets left out of judgments all the time. Or it gets handled with a quick refinance that tosses a great rate you'll never see again. Meanwhile there are creative strategies that can keep your existing rate AND release the spouse who's leaving from the liability. Most people never hear about them because most agents and lenders just take the fastest route.
I've lived this, personally and professionally. So trust me when I say divorce is hard enough without a mortgage surprise popping up two years later.
Have the right conversation with the right people before you sign or do anything.