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 - $30K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"requiredLoanAmount": 60000,
"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 - $30K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 60000,
"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 - $30K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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": 60000,
"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 - $30K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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": 60000,
"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 - $30K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"requiredLoanAmount": 60000,
"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 - $30K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"requiredLoanAmount": 60000,
"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 - $30K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"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 - $30K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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 - $30K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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 - $30K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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 |
Sell home, split proceeds - $30K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"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 - $30K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"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 - $30K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"requiredLoanAmount": 24000,
"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 - $30K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 24000,
"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 - $30K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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": 24000,
"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 - $30K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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": 24000,
"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 - $30K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"requiredLoanAmount": 24000,
"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 - $30K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"requiredLoanAmount": 24000,
"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 - $30K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"requiredLoanAmount": 45000,
"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 - $30K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 45000,
"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 - $30K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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": 45000,
"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 - $30K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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": 45000,
"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 - $30K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"requiredLoanAmount": 45000,
"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 - $30K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"requiredLoanAmount": 45000,
"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 |
Assume existing mortgage - $30K equity | assumption | Assume existing mortgage | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Assume existing mortgage - $30K equity | assumption | Assume existing mortgage | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Assume existing mortgage - $30K equity | assumption | Assume existing mortgage | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Assume existing mortgage - $30K equity | assumption | Assume existing mortgage | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Assume existing mortgage - $30K equity | assumption | Assume existing mortgage | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Assume existing mortgage - $30K equity | assumption | Assume existing mortgage | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Short sale - underwater property - $30K equity | short-sale | Short sale - underwater property | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"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"
] | [
"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 short sale - underwater property appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Short sale - underwater property - $30K equity | short-sale | Short sale - underwater property | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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"
] | [
"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 short sale - underwater property appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Short sale - underwater property - $30K equity | short-sale | Short sale - underwater property | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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"
] | [
"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 short sale - underwater property appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Short sale - underwater property - $30K equity | short-sale | Short sale - underwater property | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"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"
] | [
"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 short sale - underwater property appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Short sale - underwater property - $30K equity | short-sale | Short sale - underwater property | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"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"
] | [
"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 short sale - underwater property appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Short sale - underwater property - $30K equity | short-sale | Short sale - underwater property | {
"homeValue": 75000,
"existingMortgage": 45000,
"homeEquity": 30000,
"buyoutAmountToSpouse": 15000
} | {
"singleW2Income": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"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"
] | [
"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 short sale - underwater property 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": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"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": 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 |
Keep home, buyout spouse - $50K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"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": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"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": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"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": 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 |
Sell home, split proceeds - $50K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"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": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"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": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"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": 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 |
Purchase new home post-divorce - $50K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"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": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"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": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"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": 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 |
Refinance to remove ex-spouse - $50K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"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": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"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 |
Assume existing mortgage - $50K equity | assumption | Assume existing mortgage | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Assume existing mortgage - $50K equity | assumption | Assume existing mortgage | {
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Assume existing mortgage - $50K equity | assumption | Assume existing mortgage | {
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Assume existing mortgage - $50K equity | assumption | Assume existing mortgage | {
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Assume existing mortgage - $50K equity | assumption | Assume existing mortgage | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Assume existing mortgage - $50K equity | assumption | Assume existing mortgage | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Short sale - underwater property - $50K equity | short-sale | Short sale - underwater property | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"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"
] | [
"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 short sale - underwater property appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Short sale - underwater property - $50K equity | short-sale | Short sale - underwater property | {
"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"
] | [
"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 short sale - underwater property appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Short sale - underwater property - $50K equity | short-sale | Short sale - underwater property | {
"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"
] | [
"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 short sale - underwater property appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Short sale - underwater property - $50K equity | short-sale | Short sale - underwater property | {
"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"
] | [
"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 short sale - underwater property appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Short sale - underwater property - $50K equity | short-sale | Short sale - underwater property | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"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"
] | [
"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 short sale - underwater property appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Short sale - underwater property - $50K equity | short-sale | Short sale - underwater property | {
"homeValue": 125000,
"existingMortgage": 75000,
"homeEquity": 50000,
"buyoutAmountToSpouse": 25000
} | {
"singleW2Income": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"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"
] | [
"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 short sale - underwater property appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Keep home, buyout spouse - $75K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"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 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 - $75K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"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 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 - $75K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"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 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 - $75K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"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 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 - $75K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"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 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 - $75K equity | buyout-keep | Keep home, buyout spouse | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"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 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 - $75K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"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 - $75K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"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 - $75K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"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 - $75K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"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 |
Sell home, split proceeds - $75K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"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 - $75K equity | buyout-sell | Sell home, split proceeds | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"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 - $75K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"requiredLoanAmount": 60000,
"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 - $75K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 60000,
"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 - $75K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"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": 60000,
"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 - $75K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"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": 60000,
"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 - $75K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"requiredLoanAmount": 60000,
"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 - $75K equity | new-purchase | Purchase new home post-divorce | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"requiredLoanAmount": 60000,
"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 - $75K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"requiredLoanAmount": 112500,
"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 - $75K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 60000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 5000,
"qualifyingAnnualIncome": 60000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1400,
"estimatedMaxLoanAmount": 252000,
"requiredLoanAmount": 112500,
"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 - $75K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"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": 112500,
"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 - $75K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"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": 112500,
"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 - $75K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 85000,
"alimonyReceiving": 2500,
"childSupportReceiving": 1500,
"totalMonthlyIncome": 11083,
"qualifyingAnnualIncome": 115000,
"incomeNotes": [
"Alimony counts as income with 12+ month history and 36+ months remaining",
"Child support counts with documented receipt history",
... | {
"estimatedMaxHousingPayment": 3103,
"estimatedMaxLoanAmount": 558600,
"requiredLoanAmount": 112500,
"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 - $75K equity | refinance-remove | Refinance to remove ex-spouse | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 40000,
"alimonyReceiving": 0,
"childSupportReceiving": 800,
"totalMonthlyIncome": 4133,
"qualifyingAnnualIncome": 40000,
"incomeNotes": [
"Child support counts with documented receipt history",
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1157,
"estimatedMaxLoanAmount": 208320,
"requiredLoanAmount": 112500,
"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 |
Assume existing mortgage - $75K equity | assumption | Assume existing mortgage | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"singleW2Income": 45000,
"alimonyReceiving": 0,
"childSupportReceiving": 0,
"totalMonthlyIncome": 3750,
"qualifyingAnnualIncome": 45000,
"incomeNotes": [
"Alimony PAID reduces qualifying income"
]
} | {
"estimatedMaxHousingPayment": 1050,
"estimatedMaxLoanAmount": 189000,
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Assume existing mortgage - $75K equity | assumption | Assume existing mortgage | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Assume existing mortgage - $75K equity | assumption | Assume existing mortgage | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
Assume existing mortgage - $75K equity | assumption | Assume existing mortgage | {
"homeValue": 187500,
"existingMortgage": 112500,
"homeEquity": 75000,
"buyoutAmountToSpouse": 37500
} | {
"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"
] | [
"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 assume existing mortgage appears financially feasible. | Wendy Thompson, CDLP (Certified Divorce Lending Professional) | WTLT Divorce Mortgage Planning | 2026-01-15T00:00:00 |
End of preview. Expand in Data Studio
Divorce Mortgage Planning
288 divorce mortgage scenarios: buyout, sell, new purchase, refinance.
Details
- Records: 288
- Format: JSONL
- License: CC-BY-4.0
- Last Updated: March 2026
- Verified By: Wendy Thompson, CPA, CDLP, NMLS #504814
- Publisher: Wendy Thompson Lending Team
Thompson Alpha Logic
Proprietary CDLP-certified logic for spousal buyouts, distinguishing between 'Cash-Out' and 'Rate/Term' structures to maximize borrowing capacity under Fannie Mae guidelines. Includes alimony/child support as qualifying income calculations and capital gains exclusion guidance ($250K/$500K).
This dataset combines public government/agency data with proprietary economic synthesis provided by [Wendy Thompson, CPA, CDLP, NMLS #504814] to deliver insights that raw source data alone cannot provide. This is Mortgage Intelligence — not just data.
Expert Attribution
Lead Experts:
- Wendy Thompson, CPA, CDLP, CRMS (NMLS #504814) — VA, reverse mortgage, divorce planning, CPA tax optimization
- Beau Thompson (NMLS #1615561) — USDA $0 down, VA, military, first-time buyers, house hacking
- Tate Thompson (NMLS #2473962) — FHA, conventional, HomeReady, market economics, yield curve analysis
Citation
Thompson Mortgage Group. (2026). Divorce Mortgage Planning. Wendy Thompson Lending Team. https://huggingface.co/datasets/Wendy-Thompson-Lending-Team/divorce-mortgage-planning
Links
- Good News Lending: https://goodnewslending.com
- The Wendy Thompson Lending Team: https://thewendythompsonteam.com
- Data Hub: https://goodnewslending.com/data
- Knowledge Graph: https://huggingface.co/datasets/wendymthompson/thompson-knowledge-graph-2026
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