ONE DECISION AT A TIME
A team, a plan, and reliable information.
Use these sources to prepare your questions. Have your professionals confirm the rules for your circumstances.
About this guide.
How To Split The House explains the house, mortgage, and money questions that come up in a divorce, in plain language. It is general education. Your attorney handles legal advice and settlement protections. Your tax professional handles tax questions. A mortgage professional can explain what you may qualify for.
Thinking about a new mortgage?Who do I call?
| If your question is... | Start with... |
|---|---|
| Is this agreement fair to me? | Family-law attorney |
| Can we agree without court? | Mediator or collaborative team |
| Can I afford this long-term? | CDFA or financial advisor |
| Will this cost me in taxes? | CPA or tax professional |
| How do we split a 401(k) or pension? | Attorney and QDRO specialist |
| Can I keep the house, or buy my next one? | Mortgage professional |
| What will the house sell for? | Real estate agent and appraiser |
| Are there liens on the house? | Title professional |
| What's wrong with the house? | Home inspector |
| I'm behind on payments. | Your servicer and a HUD-approved housing counselor |
| I don't feel safe. | National Domestic Violence Hotline: 1-800-799-7233, or 911 |
Sources and professional help.
Reviewed October 5, 2026. Loan programs and legal rules vary and can change. Oregon resources below are local examples; use a professional licensed in the state where your matter belongs.
- Ownership and creditor responsibility
- Mortgage servicing after divorce
- Fannie Mae debt qualification rules
- Fannie Mae property settlement buyouts
- Fannie Mae support income rules
- Soft and hard credit inquiries
- Home inspection versus appraisal
- IRS: federal tax liens
- IRS: divorce and separation
- Closing credit accounts and your score
- VA assumption and release application
- Oregon: divorce mediation
- Oregon: finding legal help
- Federal due-on-sale protection for divorce transfers (12 U.S.C. 1701j-3)
- IRS Publication 523: Selling Your Home
- Find a collaborative professional
- National Domestic Violence Hotline
- Find a HUD-approved housing counselor
Home photography: Clay Banks / Unsplash.