Divorce Buyout Refinancing Explained

Mortgage and Lending with Guaranteed Rate, Marin County, CA NMLS: 22343

Divorce Buyout Refinancing Explained



It's a sobering fact that nearly 50% of married couples will decide to go their separate ways each year. But what happens when there's jointly owned real estate involved? And what if that home has a mortgage on it as well? What's the process for one spouse "buying out" the other and how can any couple best plan for this division?


Obviously, a marital separation is stressful enough.  The short video below aims to make it a little less so, at least when it comes to understanding the home loan options.  Oh, and we rock some Frontiers-era Journey while we're at it...




Ready to take a journey with us and rock the divorce buyout process?  Please give me a like or subscribe on YouTube!



Break those chains that bind you,



Rob Spinosa
SVP of Mortgage Lending

Guaranteed Rate
NMLS: 22343 
Cell/Text: 415-367-5959 


Marin Office:  324 Sir Francis Drake Blvd., San Anselmo, CA  94960

Berkeley Office:  1400 Shattuck Ave., Suite 1, Berkeley, CA  94709

*The views and opinions expressed on this site about work-related matters are my own, have not been reviewed or approved by Guaranteed Rate and do not necessarily represent the views and opinions of Guaranteed Rate.  In no way do I commit Guaranteed Rate to any position on any matter or issue without the express prior written consent of Guaranteed Rate's Human Resources Department.

Comments (8)

Will Hamm
Hamm Homes - Aurora, CO
"Where There's a Will, There's a Way!"

Hello Rob and thanks for a great blog to share with us here in the Rain.  Make it a great day!


Feb 17, 2022 08:35 AM
Real Estate Kareer - Sara Kareer, CLHMS
Re/Max Realty One Inc., Brokerage - Mississauga, ON
This Kareer Helps You Build Real Estate Wealth

Great info.  Yes, keep the hits coming!  😄

Feb 17, 2022 10:49 AM
Mel Ahrens, MBA, Kelly Right Real Estate
Kelly Right Real Estate - Hood River, OR
Customized Choices for your Real Estate Needs

Some really good info for homeowners going thru a difficult process. Do 50% of married couples divorce each year? Thought it was 50% of married couples eventually divorce, not divorce each year. Time to do some Googling. And nice guitar intro - saw Journey in concert a long time ago.

Feb 17, 2022 12:50 PM
Deepak Chauhan

For good credibility, keep the old car, keep the old house and keep the original wife!

Feb 19, 2022 04:09 PM
Don Baker
Lane Realty - Eatonton, GA
Lake Sinclair Specialist

Thankfully there was no real estate to consider when I got a divorce and I won't be doing that again.

Feb 17, 2022 12:52 PM
Patricia Feager, MBA, CRS, GRI,MRP
Selling Homes Changing Lives

Nice post Rob Spinosa 

Feb 18, 2022 05:03 AM
Debb Janes EcoBroker and Bernie Stea JD
ViewHomes of Clark County - Nature As Neighbors - Camas, WA
REALTORS® in Clark County, WA

Good information, Rob. Thanks for sharing it with us.  D


Feb 19, 2022 07:15 AM
Jim Patton
Aspire Home Real Estate 209-404-0816 - Modesto, CA
Realtor - Stanislaus ,Merced, San Joaquin Counties

Good info Rob Spinosa and not too bad on the guitar too!

Feb 19, 2022 01:21 PM
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude

Hi Rob:

Thanks for sharing some important information. No doubt there are some homeowners who can benefit from such refinancing!


Feb 22, 2022 04:24 PM