Can I buy a house on my own?

Potentially, yes—and don't assume you can't until you've explored your options.

Qualifying for a mortgage on your own depends on factors such as your qualifying income, credit, debts, assets, the proposed terms of your divorce, and the mortgage program you're considering.

If you've relied on two incomes for years—or your spouse traditionally handled the finances—buying a home independently can feel impossible.

It may not be.

And if you aren't ready to qualify today, that doesn't necessarily mean homeownership is off the table. Understanding why you're not ready can help us create a roadmap toward becoming mortgage-ready.

You don't need to know whether you'll qualify before talking to us. That's one of the questions we're here to help you answer.

Can I refinance a buyout from my ex-spouse?

There may be mortgage strategies available when one spouse keeps the marital home and needs to address the other spouse's equity interest, but the details matter—especially in Texas.

Texas has unique laws involving homestead and home equity transactions. How the property, equity, liens, and obligations are addressed during the divorce can affect the mortgage options available afterward.

This is one reason getting a divorce lending and mortgage expert involved before settlement documents are finalized can be so valuable.

Your attorney handles the legal agreement. We can help evaluate how the proposed housing and mortgage strategy may work from the lending side and communicate with your attorney when appropriate.

The earlier the conversation happens, the more opportunity there may be to identify potential complications before they become problems.

Can I use child support or alimony to qualify for a home loan?

Child support or alimony may be usable as qualifying income for a mortgage when applicable lending requirements are met.

Whether it can be used—and how much can be considered—depends on factors including documentation, receipt history when required, expected continuance, the loan program, and your individual circumstances.

This is also why timing can matter during divorce.

Before agreeing to financial terms based on the assumption that certain income will allow you to qualify for a mortgage, talk with a mortgage expert who can evaluate the proposed scenario.

A divorce agreement and mortgage lending guidelines are two different things. Ideally, your strategy should account for both.

Can I afford to keep my current house after divorce?

This might be the most emotionally complicated question we answer.

Your home may represent your children's stability, years of memories, your community, your school district, or simply something familiar while the rest of your life feels anything but familiar.

So it's completely understandable to think:

"I just want to keep the house."

But we need to ask another question:

Will keeping the house support the life you're building next?

That means looking beyond whether you can simply make the mortgage payment.

We may need to consider the mortgage, property taxes, insurance, HOA expenses, maintenance, other debts, income, available assets, equity, future financial goals, and whether refinancing or another mortgage strategy is necessary.

Sometimes keeping the home makes sense.

Sometimes selling creates greater financial freedom.

Our job isn't to tell you which one to choose. It's to help you understand the numbers and your mortgage options so you can make an informed decision.

Can I get my name off the mortgage if my spouse keeps the house?

A divorce decree by itself generally does not remove a borrower from an existing mortgage obligation.

This distinction is incredibly important.

Your divorce agreement may assign responsibility for the home or mortgage to one spouse, but the existing loan is an agreement with the mortgage lender.

Depending on the circumstances and loan, removing a borrower may involve refinancing, an eligible loan assumption or another available solution.

Don't simply assume that giving up ownership of the home means you've also been released from the mortgage.

Ask this question before the divorce is finalized so you understand what needs to happen next.