scenario string | scenarioType string | scenarioDescription string | currentSituation dict | incomeProfile dict | financialAnalysis dict | cdlpGuidance list | taxConsiderations list | recommendation string | insight string | expert string | source string | lastUpdated timestamp[s] |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
Keep home, buyout spouse - $50K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 100000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this keep home, buyout spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $50K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 100000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this keep home, buyout spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $50K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 100000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this keep home, buyout spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $50K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $50K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $50K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $50K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 40000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $50K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 40000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $50K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 40000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $50K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 75000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this refinance to remove ex-spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $50K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 75000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this refinance to remove ex-spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $50K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 75000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this refinance to remove ex-spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $100K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 250000,
"existingMortgage": 150000,
"homeEquity": 100000,
"buyoutAmountToSpouse": 50000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 200000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this keep home, buyout spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $100K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 250000,
"existingMortgage": 150000,
"homeEquity": 100000,
"buyoutAmountToSpouse": 50000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 200000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this keep home, buyout spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $100K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 250000,
"existingMortgage": 150000,
"homeEquity": 100000,
"buyoutAmountToSpouse": 50000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 200000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this keep home, buyout spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $100K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 250000,
"existingMortgage": 150000,
"homeEquity": 100000,
"buyoutAmountToSpouse": 50000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $100K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 250000,
"existingMortgage": 150000,
"homeEquity": 100000,
"buyoutAmountToSpouse": 50000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $100K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 250000,
"existingMortgage": 150000,
"homeEquity": 100000,
"buyoutAmountToSpouse": 50000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $100K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 250000,
"existingMortgage": 150000,
"homeEquity": 100000,
"buyoutAmountToSpouse": 50000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 80000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $100K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 250000,
"existingMortgage": 150000,
"homeEquity": 100000,
"buyoutAmountToSpouse": 50000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 80000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $100K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 250000,
"existingMortgage": 150000,
"homeEquity": 100000,
"buyoutAmountToSpouse": 50000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 80000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $100K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 250000,
"existingMortgage": 150000,
"homeEquity": 100000,
"buyoutAmountToSpouse": 50000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 150000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this refinance to remove ex-spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $100K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 250000,
"existingMortgage": 150000,
"homeEquity": 100000,
"buyoutAmountToSpouse": 50000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 150000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this refinance to remove ex-spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $100K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 250000,
"existingMortgage": 150000,
"homeEquity": 100000,
"buyoutAmountToSpouse": 50000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 150000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this refinance to remove ex-spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $200K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 500000,
"existingMortgage": 300000,
"homeEquity": 200000,
"buyoutAmountToSpouse": 100000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 400000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $200K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 500000,
"existingMortgage": 300000,
"homeEquity": 200000,
"buyoutAmountToSpouse": 100000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 400000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $200K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 500000,
"existingMortgage": 300000,
"homeEquity": 200000,
"buyoutAmountToSpouse": 100000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 400000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $200K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 500000,
"existingMortgage": 300000,
"homeEquity": 200000,
"buyoutAmountToSpouse": 100000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $200K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 500000,
"existingMortgage": 300000,
"homeEquity": 200000,
"buyoutAmountToSpouse": 100000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $200K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 500000,
"existingMortgage": 300000,
"homeEquity": 200000,
"buyoutAmountToSpouse": 100000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $200K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 500000,
"existingMortgage": 300000,
"homeEquity": 200000,
"buyoutAmountToSpouse": 100000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 160000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $200K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 500000,
"existingMortgage": 300000,
"homeEquity": 200000,
"buyoutAmountToSpouse": 100000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 160000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $200K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 500000,
"existingMortgage": 300000,
"homeEquity": 200000,
"buyoutAmountToSpouse": 100000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 160000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $200K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 500000,
"existingMortgage": 300000,
"homeEquity": 200000,
"buyoutAmountToSpouse": 100000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 300000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $200K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 500000,
"existingMortgage": 300000,
"homeEquity": 200000,
"buyoutAmountToSpouse": 100000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 300000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this refinance to remove ex-spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $200K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 500000,
"existingMortgage": 300000,
"homeEquity": 200000,
"buyoutAmountToSpouse": 100000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 300000,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this refinance to remove ex-spouse appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $300K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 750000,
"existingMortgage": 450000,
"homeEquity": 300000,
"buyoutAmountToSpouse": 150000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 600000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $300K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 750000,
"existingMortgage": 450000,
"homeEquity": 300000,
"buyoutAmountToSpouse": 150000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 600000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $300K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 750000,
"existingMortgage": 450000,
"homeEquity": 300000,
"buyoutAmountToSpouse": 150000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 600000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $300K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 750000,
"existingMortgage": 450000,
"homeEquity": 300000,
"buyoutAmountToSpouse": 150000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $300K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 750000,
"existingMortgage": 450000,
"homeEquity": 300000,
"buyoutAmountToSpouse": 150000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $300K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 750000,
"existingMortgage": 450000,
"homeEquity": 300000,
"buyoutAmountToSpouse": 150000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $300K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 750000,
"existingMortgage": 450000,
"homeEquity": 300000,
"buyoutAmountToSpouse": 150000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 240000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $300K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 750000,
"existingMortgage": 450000,
"homeEquity": 300000,
"buyoutAmountToSpouse": 150000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 240000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $300K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 750000,
"existingMortgage": 450000,
"homeEquity": 300000,
"buyoutAmountToSpouse": 150000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 240000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $300K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 750000,
"existingMortgage": 450000,
"homeEquity": 300000,
"buyoutAmountToSpouse": 150000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 450000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $300K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 750000,
"existingMortgage": 450000,
"homeEquity": 300000,
"buyoutAmountToSpouse": 150000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 450000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $300K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 750000,
"existingMortgage": 450000,
"homeEquity": 300000,
"buyoutAmountToSpouse": 150000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 450000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $500K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 1250000,
"existingMortgage": 750000,
"homeEquity": 500000,
"buyoutAmountToSpouse": 250000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 1000000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $500K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 1250000,
"existingMortgage": 750000,
"homeEquity": 500000,
"buyoutAmountToSpouse": 250000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 1000000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $500K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 1250000,
"existingMortgage": 750000,
"homeEquity": 500000,
"buyoutAmountToSpouse": 250000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 1000000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $500K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 1250000,
"existingMortgage": 750000,
"homeEquity": 500000,
"buyoutAmountToSpouse": 250000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $500K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 1250000,
"existingMortgage": 750000,
"homeEquity": 500000,
"buyoutAmountToSpouse": 250000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Sell home, split proceeds - $500K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 1250000,
"existingMortgage": 750000,
"homeEquity": 500000,
"buyoutAmountToSpouse": 250000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 0,
"dtiEstimate": 43,
"feasibility": "VIABLE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Capital gains exclusion: $250K single, $500K married (if married when sold)",
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | VIABLE | Based on your income profile, this sell home, split proceeds appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $500K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 1250000,
"existingMortgage": 750000,
"homeEquity": 500000,
"buyoutAmountToSpouse": 250000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 400000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $500K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 1250000,
"existingMortgage": 750000,
"homeEquity": 500000,
"buyoutAmountToSpouse": 250000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 400000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Purchase new home post-divorce - $500K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 1250000,
"existingMortgage": 750000,
"homeEquity": 500000,
"buyoutAmountToSpouse": 250000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 400000,
"dtiEstimate": 43,
"feasibility": "EVALUATE"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)",
"Settlement funds can be used for down payment"
] | EVALUATE | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $500K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 1250000,
"existingMortgage": 750000,
"homeEquity": 500000,
"buyoutAmountToSpouse": 250000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 750000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $500K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 1250000,
"existingMortgage": 750000,
"homeEquity": 500000,
"buyoutAmountToSpouse": 250000
} | {
"singleW2Income": 75000,
"alimonyReceiving": 1500,
"childSupportReceiving": 0,
"totalMonthlyIncome": 7750,
"qualifyingAnnualIncome": 93000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 2170,
"estimatedMaxLoanAmount": 390600,
"requiredLoanAmount": 750000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Refinance to remove ex-spouse - $500K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 1250000,
"existingMortgage": 750000,
"homeEquity": 500000,
"buyoutAmountToSpouse": 250000
} | {
"singleW2Income": 50000,
"alimonyReceiving": 2000,
"childSupportReceiving": 1200,
"totalMonthlyIncome": 7367,
"qualifyingAnnualIncome": 74000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
"A... | {
"estimatedMaxHousingPayment": 2063,
"estimatedMaxLoanAmount": 371280,
"requiredLoanAmount": 750000,
"dtiEstimate": 43,
"feasibility": "CHALLENGING"
} | [
"Get pre-approved BEFORE finalizing divorce decree",
"Ensure buyout amount is realistic based on qualifying income",
"Document alimony/support in court order with specific terms",
"Consider quit claim deed timing for title transfer",
"Review credit report for joint accounts to close"
] | [
"Mortgage interest deduction available if you itemize",
"Alimony tax treatment depends on divorce date (pre/post 2019 rules)"
] | CHALLENGING | This scenario may be challenging. Consider alternative options or supplemental income sources. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Divorce Mortgage Planning Scenarios
CDLP-informed mortgage scenarios for 60 divorce situations covering buyout, refinance, new purchase with alimony/child support income considerations and feasibility analysis.
Scenario Types
- Buyout-Keep: Refinance to buy out spouse, keep home
- Buyout-Sell: Sell home, split proceeds
- New Purchase: Buy new home post-divorce
- Refinance-Remove: Refinance to remove ex-spouse from title/loan
Key Guidance
- Get pre-approved BEFORE finalizing divorce decree
- Ensure buyout amounts are realistic based on qualifying income
- Document support payments in court order with specific terms
Expert
Wendy Thompson, CDLP (Certified Divorce Lending Professional)
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