People in the middle of a separation ask me if they can do anything with a mortgage before the divorce is final. The honest answer is sometimes.

I meet a lot of parents who have decided they are renters now. Some of them are wrong about that, and I would like to be the one who tells them.

If the plan is for you to keep the house, there are usually two jobs to do at once. Get the loan into your name alone, and pay your former spouse their share of the equity.

This is the most common thing I untangle after a divorce, so I am going to say it plainly. The deed is title. The loan is the loan. Both need handling.