--- title: Divorce Mortgage | Simplify Home Equity Decisions | Tami Wollensak description: Navigate divorce stress with expert mortgage planning. Make informed decisions about home equity and financing for a secure future. Book your consultation. image: https://www.tamiwollensak.com/hubfs/LK2_0965%20(1)-2.jpg --- [![tw-naf-logo\_alt](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/tw-naf-logo_alt.png?width=164&height=120&name=tw-naf-logo_alt.png "tw-naf-logo_alt")](https://www.tamiwollensak.com/?hsLang=en) [![tw-naf-logo\_alt](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/tw-naf-logo_alt.png?width=96&height=70&name=tw-naf-logo_alt.png "tw-naf-logo_alt")](https://www.tamiwollensak.com/?hsLang=en) - [Divorce Mortgage](https://www.tamiwollensak.com/divorce-mortgage) - [FAQs](https://www.tamiwollensak.com/faqs) - [About](https://www.tamiwollensak.com/about) - [Blog & Podcasts](https://www.tamiwollensak.com/blogs) - [Blog](https://www.tamiwollensak.com/blogs) - [Podcasts](https://www.tamiwollensak.com/podcasts) - [Contact](https://www.tamiwollensak.com/contact) [Book a call](https://www.tamiwollensak.com/book-a-meeting?hsLang=en) [Follow me on IG](https://www.instagram.com/tami_wollensak/) - [Divorce Mortgage](https://www.tamiwollensak.com/divorce-mortgage) - [FAQs](https://www.tamiwollensak.com/faqs) - [About](https://www.tamiwollensak.com/about) - [Blog & Podcasts](https://www.tamiwollensak.com/blogs) - [Blog](https://www.tamiwollensak.com/blogs) - [Podcasts](https://www.tamiwollensak.com/podcasts) - [Contact](https://www.tamiwollensak.com/contact) [Book a call](https://www.tamiwollensak.com/book-a-meeting?hsLang=en) [Follow me on IG](https://www.instagram.com/tami_wollensak/) ## DIVORCE MORTGAGE SOLUTION # Simplify equity decisions during divorce stress Helping divorcing homeowners make informed decisions regarding their home equity division and mortgage financing opportunities during and after divorce. [Book a call](https://www.tamiwollensak.com/book-a-meeting?hsLang=en) End Stress & Doubt [Divorce mortgage](https://www.tamiwollensak.com/divorce-mortgage?hsLang=en) ![home\_01\_op](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/home_01_op.jpg?width=1000&height=680&name=home_01_op.jpg) ## Overwhelmed by constant worry? Struggling with self-doubt, anxiety, or unpredictable emotions? Find clarity and peace of mind today. ### Emotional Stress and Uncertainty Without a clear plan, the emotional weight and uncertainty of divorce can leave you feeling overwhelmed and paralyzed in making crucial life decisions. ### Complexity of Home Equity Division Mismanaging the division of home equity can lead to costly mistakes that compromise your financial stability and housing future. ### Fear of Financial Instability Ignoring financial planning during divorce increases the risk of post-divorce hardship and jeopardizes your ability to rebuild securely. ### Knowledge Gaps in Mortgage Options Post-Divorce A lack of understanding about mortgage options can limit your ability to secure a new home or optimize financial outcomes. ### Potential Pitfalls in Divorce Agreements Overlooking crucial details in divorce agreements can lead to future disputes, financial losses, or unintended consequences. ### Financial and Legal Coordination Challenges Poor alignment between financial and legal decisions can derail your settlement and create long-term complications. ## Answers to Common Divorce and House Questions [Divorce Mortgage](https://www.tamiwollensak.com/blogs/tag/divorce-mortgage?hsLang=en) [Mortgage Assumption](https://www.tamiwollensak.com/blogs/tag/mortgage-assumption?hsLang=en) [Divorce Buyout](https://www.tamiwollensak.com/blogs/tag/divorce-buyout?hsLang=en) [mortgage after divorce](https://www.tamiwollensak.com/blogs/tag/mortgage-after-divorce?hsLang=en) [credit](https://www.tamiwollensak.com/blogs/tag/credit?hsLang=en) [refinance](https://www.tamiwollensak.com/blogs/tag/refinance?hsLang=en) [marital home](https://www.tamiwollensak.com/blogs/tag/marital-home?hsLang=en) [title](https://www.tamiwollensak.com/blogs/tag/title?hsLang=en) ### The Hidden Risks of Staying on the Mortgage or Title After Divorce Nov 11, 2026, 2:30:08 PM Tami Wollensak [Divorce Mortgage](https://www.tamiwollensak.com/blogs/tag/divorce-mortgage?hsLang=en) [Keep the House](https://www.tamiwollensak.com/blogs/tag/keep-the-house?hsLang=en) [Mortgage Assumption](https://www.tamiwollensak.com/blogs/tag/mortgage-assumption?hsLang=en) [Loan Assumption](https://www.tamiwollensak.com/blogs/tag/loan-assumption?hsLang=en) [Mortgage Servicer](https://www.tamiwollensak.com/blogs/tag/mortgage-servicer?hsLang=en) [Divorce and the house](https://www.tamiwollensak.com/blogs/tag/divorce-and-the-house?hsLang=en) ### How Do I Get My Spouse Off the Mortgage Without Refinancing? Oct 29, 2026, 12:04:02 PM Tami Wollensak [Divorce Mortgage](https://www.tamiwollensak.com/blogs/tag/divorce-mortgage?hsLang=en) [Keep the House](https://www.tamiwollensak.com/blogs/tag/keep-the-house?hsLang=en) [Mortgage Assumption](https://www.tamiwollensak.com/blogs/tag/mortgage-assumption?hsLang=en) [Divorce Buyout](https://www.tamiwollensak.com/blogs/tag/divorce-buyout?hsLang=en) [Interest Rates](https://www.tamiwollensak.com/blogs/tag/interest-rates?hsLang=en) ### Can I Keep My Low Interest Rate in a Divorce? Oct 22, 2026, 11:23:38 AM Tami Wollensak A PROVEN DIVORCE MORTGAGE SOLUTION ## Stop emotional stress & uncertainty 1 ### Start with a Consultation Let’s sit down (virtually or phone) for a no-pressure conversation to discuss your goals, explore your options, and map out the path to your ideal outcome. [Book a 15-minute call](https://www.tamiwollensak.com/book-a-meeting?hsLang=en) 2 ### Complete a Simple Application Fill out a quick form to help us understand where you stand financially today, so we can create a clear roadmap to align with your goals. 3 ### Get a Personalized Plan I’ll craft a detailed plan tailored to your needs that you can share with your divorce team, ensuring your settlement supports your vision for the future. 4 ### Finalize the Details Once your agreements are in place and everything is signed, we'll seamlessly take care of the transaction to secure your new beginning with clarity and confidence. ![home\_a01](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/home_a01.jpg?width=550&height=550&name=home_a01.jpg) ## What is divorce mortgage planning and how can it help you? Divorce mortgage planning is a specialized process that helps divorcing individuals navigate the complexities of homeownership, equity division, and mortgage qualification during and after a divorce. By integrating financial, legal, and mortgage strategies, it ensures decisions around the marital home align with your long-term goals and settlement agreements. - Clarity and Confidence Gain a clear understanding of your options, ensuring you make informed decisions about keeping or selling the home. - Financial Security Strategically structure your mortgage to align with your budget and future financial stability. - Streamlined Settlement Ensure the division of assets, including home equity, is seamless and supports your vision for post-divorce life. [Learn more how it works](https://www.tamiwollensak.com/divorce-mortgage?hsLang=en) ## Your home equity advocate during divorce Tami Wollensak is a Divorce Mortgage Specialist with 30 years of experience in the mortgage industry. She helps divorcing individuals make informed decisions about the marital home by providing clarity around mortgage and home equity solutions during a time that’s often emotionally and financially overwhelming. Tami works closely with attorneys, mediators, and financial professionals to identify potential pitfalls in divorce settlements that could affect mortgage qualification and homeownership outcomes. As a CDLP® and CDFA®, she brings deep knowledge and a resolution-focused approach to help her clients plan for long-term financial stability.  [About Tami](https://www.tamiwollensak.com/about?hsLang=en) ![home\_05](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/home_05.jpg?width=550&height=367&name=home_05.jpg) ![CDLP\_logo](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/logos/CDLP_logo.jpg?width=89&height=90&name=CDLP_logo.jpg) ![DCA\_logo](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/logos/DCA_logo.jpg?width=180&height=98&name=DCA_logo.jpg) ![ADN-Amicable-Ambassador-Web 1](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/logos/ADN-Amicable-Ambassador-Web%201.jpg?width=90&height=90&name=ADN-Amicable-Ambassador-Web%201.jpg) ![CD\_logo](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/logos/CD_logo.jpg?width=180&height=59&name=CD_logo.jpg) ## A single source of truth Before a call After a call **Overwhelming Uncertainty:** Clients often feel unsure about their housing and financial future, especially when the marital home is involved. **Clear Direction:** Clients leave with a better understanding of their options and a roadmap for moving forward confidently. **Fear of Making Costly Mistakes:** Concerns about missteps in dividing home equity or structuring agreements can weigh heavily. **Peace of Mind:** Tami identifies potential pitfalls and ensures their decisions are aligned with long-term goals, reducing stress. **Knowledge Gaps:** Clients may lack clarity on their mortgage options or how to align real estate decisions with their divorce settlement. **Empowered Decision-Making:** Clients feel equipped with the knowledge and tools to approach their divorce team and advocate for solutions that work for their future. They didn't skip booking a call with Tami ![avatar](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/avatar.png?width=64&height=64&name=avatar.png) — Krista R “Tami was a pleasure to work with. She was patient with questions, always pleasant, and provided clear and concise explanations about the loan process. Tami is very knowledgeable on the topic of divorce and how that can affect loan options. I would definitely refer friends and family to Tami in the future.” ![avatar](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/avatar.png?width=64&height=64&name=avatar.png) — AniVT “I feel privileged to have had the opportunity to work with Tami. I was referred to her by our mediator in the divorce process. Though 50% of marriages end in divorce, when it happens to you, it’s all new and daunting. Despite having a professional career, I did not take on the responsibility to care for the finances of our home, as I focused on our children and my vocation. Hence the process of learning this responsibility has been steep. Making a decision to keep or walk away from a marital home is difficult as it’s not just the structure, it’s the community you built for yourself and your family. Tami has walked me through every step of the process, while answering any questions I had without judgement. She provided a visual for different scenarios in owning our marital home which gave me clarity. She is professional, kind, approachable, and feels genuine. I am grateful our paths crossed. ” ![avatar](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/avatar.png?width=64&height=64&name=avatar.png) — Jim W “Tami and her team have helped me with several mortgages. Aside from her being a family member, her and her team never fail to give the best service and programs. I would not hesitate to refer her to my friends and colleagues.” ![avatar](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/avatar.png?width=64&height=64&name=avatar.png) — Carl S “Being a business owner, my finances aren’t straightforward. In the past I found myself scratching my head with prior firms as I knew I should easily qualify but the broker was not equipped to analyze my account in a way that was efficient causing mountains of work and delays in processing. Fast forward and add that I am going through a divorce and the prospect of getting a new mortgage could have become a daunting task. Tami at Oak Leaf Mortgage made this process simple and easy, only needing what was necessary to evaluate my qualifications and guiding me step by step thru the process. Tami and Oak Leaf were wonderful to work with and their firm delivered as promised. I would highly recommend them especially if you have complex finances or life situations.” ![avatar](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/avatar.png?width=64&height=64&name=avatar.png) — Kathryn H “Im a realtor who works both in the tradiitonal real estate field and am also active in the divorce real estate area as a Certified Divorce Real Estate Expert. Tami is exceptional in working with all kinds of buyers. I know my clients are in great hands working with Tami. She is informed of all aspects of lending and is a caring individual towards her clients. I highly recommend Tami Wollensak as your lender. ” ![avatar](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/avatar.png?width=64&height=64&name=avatar.png) — Julie M “My experience with Tami was invaluable and truly a joy. She made the process smooth and stress free. I felt completely at ease working with Tami, and enjoyed our communications. ” ![avatar](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/avatar.png?width=64&height=64&name=avatar.png) — Theresa K “As a Collaborative Lawyer, I pride myself on putting together teams so that my client (and the whole family) can build a healthy future once the divorce is over. Tami brings a wealth of knowledge and compassion to the table. Recently, I had a case where the couple had worked out all of the terms of their divorce amicably. And - I saw an opportunity to create an even better result based on information that Tami had shared with me. We brought her into the case and now - the couple is even more satisfied.” ![avatar](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/avatar.png?width=64&height=64&name=avatar.png) — Omar M “Tami's experience and patience as I moved and relocated across country cannot be stressed enough. Often times during this process I was asked by several people in the DC area how the loan portion of my home buying was going. Tami is a pro and a champion of the buyer. I would suggest her and her team to anyone - and I do! ” ![avatar](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/avatar.png?width=64&height=64&name=avatar.png) — Paul A “I met Tami under challenging life circumstances and looking back, we couldn’t have been in better hands. Tami was able to deliver a favorable lending outcome for our family and was a pleasure to work with. She leverages her personal and professional experiences which give her the credibility and insights many other lenders aren’t capable of. 5/5 stars.” TOP 4 QUESTIONS CUSTOMERS ASK ME ## You ask, we answer ### What is divorce mortgage planning, and how can it help me? Divorce mortgage planning is the process of evaluating your housing options, financial position, and settlement agreements to ensure that decisions regarding the marital home align with your long-term goals. It helps identify gaps in divorce agreements, determine eligibility for mortgage financing, and create a sustainable financial plan. By focusing on both the immediate and future impact of these decisions, it empowers you to approach your divorce team with clarity and confidence. ### Can I qualify for a mortgage while going through a divorce? Yes, you can qualify for a mortgage during a divorce, but it requires careful planning. Divorce mortgage planning assesses your current financial situation, including income, assets, and debts, to determine eligibility. It ensures that your settlement supports your ability to secure financing, whether you’re refinancing to keep the marital home or purchasing a new property. Working with a Certified Divorce Lending Professional ensures your unique circumstances are addressed to meet lender requirements. ### What happens if my divorce agreement doesn’t align with mortgage guidelines? If your divorce agreement doesn’t align with mortgage guidelines, it can delay or prevent financing. For example, improperly structured support payments or an unclear division of debt can cause issues. As a Certified Divorce Lending Professional, I work with your divorce team to identify and resolve these gaps, ensuring your agreement meets lender requirements. This proactive approach avoids costly mistakes and keeps your financial goals on track. ### Should I keep the marital home or sell it during the divorce? Deciding to keep or sell the marital home depends on factors like affordability, long-term financial goals, and emotional considerations. Divorce mortgage planning helps evaluate these factors by analyzing your income, expenses, and housing needs. It provides a clear picture of whether keeping the home is feasible or if selling it better supports your future stability. This informed decision-making process ensures the best outcome for your unique situation. ## Simplify home equity decisions during divorce stress [Book a call](https://www.tamiwollensak.com/book-a-meeting?hsLang=en) ![tw-naf-footer-logo](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/tw-naf-footer-logo.png?width=164&height=120&name=tw-naf-footer-logo.png) Divorce mortgage solution that helps divorcing homeowners with home equity division, mortgage financing, legal collaboration, and personalized solutions. - - Divorce Mortgage - [Learn how it works](https://www.tamiwollensak.com/divorce-mortgage?hsLang=en) Support - [Book a call](https://www.tamiwollensak.com/book-a-meeting?hsLang=en) - [Contact](https://www.tamiwollensak.com/contact?hsLang=en) About - [About Tami](https://www.tamiwollensak.com/about?hsLang=en) - [Blog](https://www.tamiwollensak.com/blogs?hsLang=en) - [Podcast](https://www.tamiwollensak.com/podcasts?hsLang=en) - Resources ![naf-footer-logo](https://www.tamiwollensak.com/hs-fs/hubfs/TW%20website,%202024/assets/naf-footer-logo.png?width=300&height=100&name=naf-footer-logo.png) Licensed by the Department of Financial and Professional Regulation, Mortgage Banking Division, 100 West Randolph, 9th Floor, Chicago, IL 60601, (888) 473-4858 NMLS #1963450. 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