Divorce Equity Solutions

06/19/2026

The standard divorce house buyout math looks clean on paper: home value, minus the mortgage, divided by two. Then the refinance gets underwritten, and the number that felt fair stops working.

Divorce Equity Solutions work with attorneys, mediators, and financial neutrals on exactly this gap. Four variables decide whether a buyout can actually be funded: how the refinance is structured (rate-and-term vs. cash-out, and the LTV ceiling), separate property contributions, closing costs and seasoning rules, and the standalone qualifying income of the spouse keeping the house.

Get them on the table before settlement, and the buyout holds. Miss them, and it can unravel months after the decree, when nobody did anything wrong.

I broke down how a CDLP® runs these numbers, with worked examples: https://divorcebriefings.com/4uJm581

If you have a case file that includes the house in question, I'm glad to run the analysis alongside you. Let’s talk.

06/18/2026

Another one of the most overlooked financial risks during divorce has nothing to do with the mortgage. It's homeowners' insurance.

When ownership of a property changes, the insurance policy usually needs to change too. Skipping that step may lead to coverage gaps, denied claims, and costly surprises long after the divorce is finalized.

As a Certified Divorce Lending Professional (CDLP®), I help divorcing homeowners see how mortgage financing, property ownership, and other housing decisions shape their long-term financial picture. Catching an issue like this early is often the difference between a clean transition and an expensive mistake.

If you have questions about your situation or how divorce may affect your housing options, reach out anytime. The article below is a good place to start. https://www.divorcelendingassociation.com/blog/divorce-and-property-insurance-the-costly-consequences-of-overlooking-updates.cfm

Divorce and Property Insurance: The Costly Consequences of Overlooking Updates

06/16/2026

🚨 Divorcing homeowners: Before you agree to keep the house… make sure you know if you actually CAN.

I’ve seen too many people walk away from mediation believing they can refinance, assume the mortgage, or buy out their spouse—only to find out later that the numbers don’t work.

The house is often the largest asset in a divorce. Don’t make decisions without understanding your options first.

That’s why building the right divorce team matters.

Thank you to the attorneys and professionals who recognize the value of collaborative divorce planning. Together, we help families move forward with confidence. ❤️🏡⚖️

06/09/2026

⭐️ Another happy client. Another family helped.

When divorce impacts the home, having the right mortgage strategy matters.

Thank you for the kind words! 💙

Love is over. The mortgage isn’t.™ 💔

05/02/2026

Divorced & Dangerous Bo***ir photos 👇 See below to sign up❤️
Giveaway Session 📸
ENTER BELOW ⬇️

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A luxury bo***ir portrait experience for women who want to embrace who they are & their story.

04/28/2026

🔥 Reintroducing Myself… 🔥

Hi, I’m Shelley Mitchell, Co-Founder of Divorce Equity Solutions — a woman-owned business built to help divorcing homeowners make smart financial decisions about one of their biggest assets… the house.

Most people don’t realize this:
🏡 Divorce and mortgage rules don’t always speak the same language.

That’s where I come in.

I help clients, attorneys, and mediators understand:
✔️ Can one spouse keep the home?
✔️ Is refinancing possible?
✔️ How should equity be divided?
✔️ What happens to credit if a name stays on the mortgage?
✔️ Will the divorce decree actually work with lending guidelines?
✔️ What options make sense before signing final papers?

A wrong move during divorce can cost thousands later. The right plan can protect credit, equity, and peace of mind.

With 25+ years in mortgage and divorce lending strategy, I help people make informed decisions during one of life’s hardest transitions.

📞 If you’re divorcing, know someone who is, or you’re an attorney looking for a trusted resource—let’s connect.

Shelley Mitchell
Co-Founder | Divorce Equity Solutions
Women-Owned Business
☎️ 281-505-4500
🌐 DivorceEquitySolutions.com

04/15/2026

Divorce can take the relationship… but it does not get to take your future. 🔥

This season may feel heavy right now, but your story is not over. Sometimes the end of one chapter is the beginning of peace, clarity, and a stronger version of you.

💬 If you’re rebuilding, drop a ❤️

04/05/2026

🌷 Happy Easter from Divorce Equity Solutions 🐣

Easter is a reminder that even after the hardest seasons…
there is renewal, hope, and a fresh start.

If this season of life feels heavy—especially if you’re navigating a divorce—please know this:
you are not alone, and your next chapter can still be beautiful.

New beginnings don’t happen overnight…
but with the right guidance, they do happen.

We’re here to help you move forward with clarity, confidence, and a plan that protects your future. 🏡

💛 Wishing you peace, strength, and brighter days ahead.

📞 281-505-4500
🌐 www.DivorceMyHome.com

04/03/2026

What happens if refinancing is not an option?

Divorce Equity Solutions