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Sell a House During a Divorce

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Why Not Keep Your Home?


Getting out from under a home mortgage while you’re going through a divorce can be devastating. You’re working to sell a home you thought you’d both share for years to come, which is emotionally draining and financially stressful. What would have been an easy payment for two people with two incomes is now a heavy drain on at least one person, if not both of you, while still paying for a lawyer and other divorce-related fees. Most people find that the easiest way to move on from a home during a divorce is to sell it.

It’s true that if one person can afford the monthly mortgage payments, it’s possible to put the loan singularly in the name of that party. Then they can keep the home, and continue to make payments without fear of falling behind or foreclosure. However, there aren’t many people who want to keep a home they shared following a divorce, and with the added fees that come with filing for and receiving a divorce, it’s a lot of money going out at once, especially if you’re paying for a home you may not want to keep.

How to Sell Your Home During a Divorce


If you and your ex-partner have decided to sell the home while you’re going through your home, it’s important that you get it listed and sold as soon as possible. The quicker you can sell, the sooner you can forget about mortgage payments, which means one less thing you need to pay for and worry about during the divorce process. Because it can be difficult to stay on top of payments during divorce proceedings, consider dedicating one person to paying the mortgage each month, rather than switching back and forth each month.

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When You Just Can’t Afford the Payments

Selling a home, paying for a divorce attorney, and keeping up on your new living arrangement payments is a lot to worry about. It’s common for people going through a divorce to fall behind on payments, or realize that they simply don’t have the funds to keep up with the payments in the future. When that happens, you still have options to preserve your credit and avoid foreclosure. Your best bet is to arrange a short sale as quickly as possible:

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When You Just Can’t Afford the Payments

Selling a home, paying for a divorce attorney, and keeping up on your new living arrangement payments is a lot to worry about. It’s common for people going through a divorce to fall behind on payments, or realize that they simply don’t have the funds to keep up with the payments in the future. When that happens, you still have options to preserve your credit and avoid foreclosure. Your best bet is to arrange a short sale as quickly as possible:

1. Call Your Lender

If you’re considering a short sale to get out from under your home during a divorce, you need to get in touch with your lender as soon as possible. Let them know what your situation is, and why you’re seeking a short sale.

2. Agree to Terms

A short sale agreement means that your lender agrees to the sale of your home for less than your mortgage, and they’ll forgive you of debt following the sale. This means that neither party will walk away from the home with money, but neither of you will be in debt either.

3. Find a Buyer

To make a short sale final, you obviously need to find someone to purchase the home. Since you’ll be able to sell it for less money, the hope is that you’ll be able to sell it more quickly. That said, if you plan on listing it with a realtor, know that you’ll still have to pay closing fees and commission to your realtor. That’s why for many, direct cash offers, for sale by owner, is the most cost effective, and quickest way to sell a home during a divorce.

If you’re looking to sell a home during a divorce, Renewed Homes is a local, trusted company that can buy your home quickly, and in cash. It’s our goal to help out community members by offering quick, cash sales with no inspections, no repairs, and no realtors. When you reach out to us, we make every effort to get in touch and schedule a walkthrough of your home within 48 hours, to reach an agreement that’s fair to you. If you need to get out from under a looming mortgage during a divorce in West Michigan, Renewed Homes is here to help.

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