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  <title>Ep 197 - Divorce &amp;amp; Your Home: Understanding Your Options and Avoiding Costly Mistakes</title>
  <description>What happens to the house in a divorce? For many homeowners, divorce and real estate collide in painful and expensive ways. The home is often the biggest asset, the biggest debt, and the most emotionally charged part of the divorce process — and it’s where people make the most costly mistakes. In this episode of State 48 Homeowner, host Scott Kooiman of Klaus Team Real Estate Solutions sits down with family law attorney Marco Brown, founder of Brown Family Law, to explain what homeowners need to understand about divorce and your house — before emotions and assumptions lead to years of financial fallout. We break down:   What really happens to the house in a divorce   Common misconceptions about keeping the house after divorce   How Arizona community property law treats the marital home   Divorce housing options: selling the home, one spouse keeping it, or deferred sale   How equity, debt, and property division are handled   Why co-ownership, nesting, and “we’ll figure it out later” usually fail   What happens when one spouse refuses to cooperate or move out   Court-ordered home sales and forced resolutions   Why walking away emotionally before finances are settled is dangerous   You’ll also hear a critical mortgage and lending reality check from Steve Farrington of Unity Home Loans, explaining:   How divorce affects mortgage qualification   Debt-to-income ratio issues during divorce   Using spousal support as qualifying income   Refinancing after divorce — and what happens when rates are higher   Credit risks when you’re still tied to the mortgage   How missed payments impact both spouses   How to protect yourself financially during a divorce   Before you make a decision — especially in a moment of stress — it’s critical to talk to professionals who understand how family law, divorce mortgages, and real estate intersect. This episode is part of our “When Things Go Wrong” series, covering what happens to your home during divorce, death, disability, and major life transitions — so homeowners can make informed, confident decisions when it matters most. </description>
  <author_name>State48 Homeowner Podcast</author_name>
  <author_url>https://state48homeowner.libsyn.com</author_url>
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