Buying through a life transition
Nine steps.
One path forward.
Divorce, loss, or a fresh start - your home options are clearer than they may feel right now. Here is the path from a private first conversation to a home that is entirely, officially yours.
Private consultation
Share what you're comfortable sharing. We look at income, credit, and goals - no pressure, no judgment.
Model your options
Keep the home, sell and split, or buy new - we model your real numbers side by side so the choice is clear.
Legal coordination
We align the mortgage timeline with your attorney and the decree, so there are no surprises later.
Application
Once the decree is in place, we lock your rate and submit the application in your name alone.
Underwriting
We guide you through every document request, clearly and step by step, so nothing feels overwhelming.
Title update
The other party is removed from title. Your attorney coordinates; we align the closing timing.
Close
Sign the new loan. The home is officially yours, in your name only - the transition is complete.
Settle in
Settle into your home and your new financial picture. The hardest part of the transition is behind you.
Annual check-in
We stay in touch each year, looking for opportunities to improve your rate or equity as life stabilizes.
Four things to have handy when you're ready - missing something? Start the conversation anyway, we help you sequence what's needed and when.
Decree or settlement
Signed, or a draft in progress with your attorney.
Your income only
Recent pay stubs or returns, separate from your spouse's.
Your own asset statements
About two months of bank/investment.
Photo ID
Plus any name-change paperwork already filed.
Find where you are - free
Scan the code or reach out. We build your keep-vs-sell-vs-buy analysis with your real equity, income, and goals. You decide what, if anything, comes next - and when.