Navigating Divorce in Wisconsin: How to Manage Your Home and Mortgage in 2025
Divorce can be one of life's most challenging transitions, especially when it comes to deciding what happens to your home and mortgage. As Wisconsin's go-to mortgage expert, I help homeowners make clear, confident financial decisions - even through major life changes.
If you're facing a divorce and unsure how to handle your home or mortgage, here's what you need to know.
1. Understanding Your Options During Divorce
When it comes to your home, you generally have three paths forward:
- Sell the home and split the proceeds
- Refinance to remove a spouse from the loan
- One spouse buys out the other's share
Each route has pros and cons depending on your equity, income, and long-term goals. If you're considering keeping the home, it's important to understand how equity buyouts and refinancing work. You can learn more about the refinance process in my detailed guide:
➡️ Refinance Your Mortgage in Wisconsin - 2025 Homeowner's Guide
2. How Refinancing Can Help During a Divorce
A refinance can be a powerful tool to help separate finances and move forward. A cash-out refinance allows one spouse to pay the other their share of the equity, while a rate-and-term refinance can simply remove a spouse from the loan.
The process doesn't have to be complicated - my team and I handle the details quickly and request only what's required by automated underwriting findings, making the process smoother and faster for you.
To understand how a refinance could work in your situation, explore this helpful breakdown from Investopedia.
3. Selling Your Home During a Divorce
Sometimes selling the home is the cleanest solution, especially when both parties want a fresh start. I work closely with top Wisconsin Realtors who are honest, experienced, and focused on helping clients achieve the best possible outcome.
If you're considering selling, check out my post on First-Time Homebuyer Programs in Wisconsin (2025 Update) - it can help you or your ex-spouse prepare for your next home purchase when the time is right.
4. Next Steps: Get Expert Guidance
Whether you're refinancing, selling, or planning your next move, having a clear mortgage strategy can make all the difference. Every situation is unique - let's talk through yours and create a plan that helps you move forward with confidence.
Contact Adam Zeman - Union Home Mortgage
Adam Zeman, NMLS #870441
Website: www.mkemortgage.com
24/7 Mortgage & Real Estate Info: Wisconsin Real Estate & Mortgage Expert
Apply Now: https://myuhm.uhm.com/homehub/signup/azeman@uhm.com?from_mobile_share=true
Phone: 414-975-2654
Email: azeman@uhm.com
Schedule a Call: https://calendly.com/adam-zeman/30min