From the conversation
Keeping the home starts with qualification
Wanting to keep a home and qualifying to keep it are separate questions. Income, debts, support payments, credit, equity, and the existing loan all affect whether a refinance or another lending path may work.
The conversation explains why those details should be reviewed early, before a legal agreement assumes a mortgage outcome that a lender has not confirmed.
Mortgage timing affects the larger decision
Selling, refinancing, or holding the home temporarily can each affect the two households differently. Clear timelines and realistic payment assumptions reduce the chance that one person remains tied to a loan longer than expected.
CJ brings the market value and sale-planning perspective while the mortgage and legal professionals handle qualification and the agreement itself.