Expert Contribution

Navigating Home Financing During Divorce

Home Financing Customized for Family Law 

One of the most stressful events in a family’s life is divorce, and one of the biggest points of contention is what to do with the family home, especially if there are children in the picture who want to stay in their respective schools and the remaining spouse does not have sufficient income to refinance the existing mortgage in their name only. 

Conventional lending rules require at least six months of on-time payments of the spousal and child support, and the six months don’t begin until after the divorce has been finalized with the courts. This could be 12-24 months after the initial separation was filed. 

Fortunately, there is a resolution: Introducing the NINE Loan, a revolutionary home loan based on common sense underwriting, a fast and simple home loan solution that does not require any income or employment for owner-occupied refinance or purchase transactions. 

The NINE loan allows the remaining spouse to refinance in their name only and possibly even get cash-out to pay the departing spouse their share of the equity… before the spousal and child support are usable for Conventional financing. 

The departing spouse can then purchase a new home without the old mortgage affecting their ability to qualify in the future. 

Consider this revolutionary home financing that solves an ageless challenge for families going through a divorce. 

Please visit me online at or more information. When you are ready, you can book a Confidential Strategy Session online at or call my cell at 925-381-8190. 

Equal Housing Opportunity. All loans subject to underwriting approval. Certain restrictions apply. Call for details. CrossCountry Mortgage, LLC. NMLS3029 ( 

By Todd Galde, CrossCountry Mortgage, LLC. 

About The Author

W. Todd Galde
CrossCountry Mortgage, LLC

After more than 20 years, Todd Galde has mastered the process of helping borrowers with different income sources, matching the correct loan to their unique circumstances. We teach and advise, then we customize. A Direct Lender, Team Galde offers solutions with competitive rates and financing programs that give you more qualifying options, including the unique NINE Loan for owner-occupied purchase or refinance. Learn more at 

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