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What If The Best Divorce Deal Is Not Half
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The marital home can turn into the loudest argument in a divorce and not because of the numbers. It’s memory, stability, kids, fear, and that ultra-low interest rate you locked in years ago. We sit down with Genna Queen, a mortgage lender who specializes in divorce mortgage strategy, to cut through the noise and get practical about the decision: keep the house, sell it, or structure an equity buyout that doesn’t wreck your future cash flow.
We talk about how real mortgage rules work during divorce, including the uncomfortable truth that a divorce decree doesn’t magically remove someone from a mortgage note. Genna explains common timelines courts allow for refinance after divorce, why “I can afford the current payment” is not the same as qualifying for a new loan with a buyout, and when a HELOC might help short term versus when it can create budget stress with variable rates. We also dig into negotiation strategy, like when it can make sense to trade assets by keeping more home equity instead of taking the same value from a 401(k).
We go deep on one of the biggest questions we hear: can alimony and child support count as income for a mortgage? Genna lays out the documentation requirements, the six-month history lenders want to see, and why support structure (monthly vs lump sum) can change your options. If you want to make a calm, informed housing decision during divorce, this conversation gives you the framework.
If this helped, subscribe, share it with a friend who’s navigating divorce, and leave a quick review so more people can find it. What’s the hardest part of deciding what to do with the house?
To connect with Genna Queen, Ruoff Mortgage
https://www.ruoff.com/gennaqueen
Hi and welcome to Thrive and Decide. I’m your host Sarah Thress. This podcast is intended to help women who are going through a divorce, continplating divorce or have lost a spouse feel seen, heard, understood and not alone. All the beautiful souls who share on here are coming from a place of vulnerability and a common belief that sharing your story will help others. You will also hear from industry experts on what to do and not do while going through a divorce.
Sarah Thress
614-893-5885
[email protected]
Thrive and Decide Facebook
https://www.instagram.com/thrive_and_decide/
https://www.facebook.com/profile.php?id=61559936633799
https://www.facebook.com/SarahThressRealtor/
https://www.instagram.com/sarah_thress_realtor/
Real Estate Podcast Come To Find Out:
https://podcasts.apple.com/us/podcast/come-to-find-out/id1704949604
Real Estate First Time Home Buyers course: https://sarahthress.graphy.com/
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By Sarah ThressSend us Fan Mail
The marital home can turn into the loudest argument in a divorce and not because of the numbers. It’s memory, stability, kids, fear, and that ultra-low interest rate you locked in years ago. We sit down with Genna Queen, a mortgage lender who specializes in divorce mortgage strategy, to cut through the noise and get practical about the decision: keep the house, sell it, or structure an equity buyout that doesn’t wreck your future cash flow.
We talk about how real mortgage rules work during divorce, including the uncomfortable truth that a divorce decree doesn’t magically remove someone from a mortgage note. Genna explains common timelines courts allow for refinance after divorce, why “I can afford the current payment” is not the same as qualifying for a new loan with a buyout, and when a HELOC might help short term versus when it can create budget stress with variable rates. We also dig into negotiation strategy, like when it can make sense to trade assets by keeping more home equity instead of taking the same value from a 401(k).
We go deep on one of the biggest questions we hear: can alimony and child support count as income for a mortgage? Genna lays out the documentation requirements, the six-month history lenders want to see, and why support structure (monthly vs lump sum) can change your options. If you want to make a calm, informed housing decision during divorce, this conversation gives you the framework.
If this helped, subscribe, share it with a friend who’s navigating divorce, and leave a quick review so more people can find it. What’s the hardest part of deciding what to do with the house?
To connect with Genna Queen, Ruoff Mortgage
https://www.ruoff.com/gennaqueen
Hi and welcome to Thrive and Decide. I’m your host Sarah Thress. This podcast is intended to help women who are going through a divorce, continplating divorce or have lost a spouse feel seen, heard, understood and not alone. All the beautiful souls who share on here are coming from a place of vulnerability and a common belief that sharing your story will help others. You will also hear from industry experts on what to do and not do while going through a divorce.
Sarah Thress
614-893-5885
[email protected]
Thrive and Decide Facebook
https://www.instagram.com/thrive_and_decide/
https://www.facebook.com/profile.php?id=61559936633799
https://www.facebook.com/SarahThressRealtor/
https://www.instagram.com/sarah_thress_realtor/
Real Estate Podcast Come To Find Out:
https://podcasts.apple.com/us/podcast/come-to-find-out/id1704949604
Real Estate First Time Home Buyers course: https://sarahthress.graphy.com/