Mortgage Assumption Facilitation
What Is Mortgage Assumption?
A mortgage assumption allows one spouse to take over the existing home loan when divorce is final — keeping the same interest rate, terms, and monthly payment. Mortgage assumption offers a streamlined path for one party to retain the the existing mortgage.
We guide you through the full process, working directly with lenders to ensure a legal and smooth transition.
Why Mortgage Assumption Can Be a Smart Option:
Refinancing isn’t always the best (or even possible) solution. A mortgage assumption may be the right move if:
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Interest rates have increased since the original loan
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Values of homes have dropped
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You have time to wait for the assumption process
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The existing loan is eligible and assumable
Mortgage assumption can preserve favorable loan terms and help both parties move forward more efficiently.
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What We Handle:
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Confirm whether your mortgage is assumable
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Communicate directly with your loan servicer or lender
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Help compile and submit required financial documents
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Coordinate legal paperwork to align with your divorce agreement
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Monitor the process and keep all parties updated
This is a very detailed process — but we handle it with clarity, professionalism, and care.
Who This Is For
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Divorcing homeowners where one spouse wants to stay in the home
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Individuals looking to avoid refinancing but still divide ownership fairly
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Attorneys or mediators who need a trusted mortgage expert to facilitate the transfer
Why Work With Us:
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Experts in mortgage assumption during divorce
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Familiar with lender-specific requirements and timelines
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Focused on protecting both financial and legal outcomes
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We act as the bridge between you, your attorney, and your lender — so nothing falls through the cracks