23+ Years Experience

Certified Divorce Lending Professional (CDLP)

Divorce Mortgage Help in Austin, TX

Certified Divorce Lending Professional (CDLP) guidance for Austin. Refinance to remove a spouse, fund an equity buyout, explore a loan assumption, or qualify for a new home after divorce — structured to align with your settlement.

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  • 23+ Years Experience
  • 1,000+ Loans Funded
  • 4.9★ from 200+ Reviews
  • NMLS #344326

Divorce Lending in Austin, TX

Austin's tech-driven boom pushed home values sharply higher before the market cooled, so divorcing couples here may be sorting out large equity gains alongside a recent peak-and-pullback in prices — timing and valuation really matter. Refinancing to remove a spouse, a cash-out refinance to fund an equity buyout, or qualifying solo are the usual paths.

Texas is a community-property state, so equity acquired during the marriage is generally split equally. Texas also has specific rules around home-equity lending, so an accurate appraisal and the right loan structure are worth confirming before you commit.

Refinance to Remove a Spouse

Refinance the loan into one name so the departing spouse is removed from the mortgage liability and title.

Equity Buyout Analysis

A cash-out refinance can fund the buyout of a spouse's share of the home's equity in a single transaction.

Loan Assumption Option

If your loan is FHA, VA, or USDA, one spouse may assume it and keep the existing low rate — often cheaper than refinancing.

Settlement-Aligned & Confidential

A CDLP coordinates with your attorney so the mortgage terms in your decree are actually executable.

Frequently Asked Questions

Does Austin's price swing affect how much I can borrow to buy out my spouse?

Yes — the buyout amount and any cash-out are based on the home's current appraised value, not its peak. If values have softened, that changes the equity math. American Financial Network serves Texas, and a licensed loan officer who is a Certified Divorce Lending Professional can order a current valuation and structure the refinance to fit your settlement.

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