06/25/2026
This comes up more than people realize. A couple decides to separate but can’t finalize the divorce yet. Before either of them looks at a single house, there’s a list of questions that have to get answered first.
Are you comfortable buying a home when your ex technically still co-owns the other one?
Will you both qualify for separate mortgages under these circumstances? The bank is essentially being asked to underwrite two households instead of one — will it allow that?
Is someone staying in the current home, and what does a refinance look like if so?
If you’re selling instead, what’s the plan for splitting proceeds and timing the move?
This isn’t the same process as buying a home together. It takes real coordination between your attorney, a lender, and a Realtor who understands the sequence, because the order you do things in changes what’s actually possible. A lot of agents avoid these situations because they’re complicated. I don’t mind them. What matters most is that you understand the process and the complexity of your specific situation before you start house shopping, not after.
If you’re early in this process, I have a guide for those considering divorce and have shared real estate. I know this isn’t something you want to talk about publicly, so send me a DM and we’ll keep it confidential, I’ll find a way to get it to you privately. Even if we’re friends, your business stays your business.