Divorce Professionals · Partner Education

Mortgages for Divorce Professionals

Working with a coordinated divorce professional team on Florida real estate matters is the difference between a properly-structured marital home buyout aligned with the final judgment and a chaotic post-divorce transaction with unresolved title, undocumented equity calculations, or qualifying problems for the spouse keeping the property. Your team handles equitable distribution analysis under Florida Statutes Chapter 61.075, marital vs non-marital property classification, marital home valuation through USPAP-licensed appraisers, business interest valuation through CPA forensic accountants with ABV (Accredited in Business Valuation) or CFF (Certified in Financial Forensics) credentials through AICPA, Marital Settlement Agreement (MSA) drafting with property division terms aligned with refinance timeline, mediation coordination required by many Florida circuits before contested hearing, alimony and child support income/expense projections via Certified Divorce Financial Analyst (CDFA) through Institute for Divorce Financial Analysts, retirement plan division through Qualified Domestic Relations Order (QDRO) preparation, and post-judgment quitclaim deed timing. For the marital home buyout, the family law attorney + lender + CDFA + appraiser coordination is essential to align the divorce judgment with the refinance closing. If you’re a divorce professional reading this looking for a mortgage on your own home, scroll to the bottom for the divorce-professional-as-borrower CTA covering family law attorneys, mediators, CDFAs, and forensic accountants on multi-source income qualifying paths.

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Broker NMLS #1072866 · Florida mortgage broker coordinating with divorce professional partners on marital home buyout refinances, equitable distribution under FL Chapter 61, alimony / child support income qualifying under Fannie Mae B3-3.1-09, QDRO retirement plan division coordination, and post-judgment quitclaim deed alignment with refinance closing

FL Chapter 61

Florida Statutes Chapter 61 governs dissolution of marriage, equitable distribution under 61.075, alimony under 61.08, and child support under 61.30. Equitable distribution starts from presumption of equal distribution then adjusts for statutory factors

Mediation required

Many Florida judicial circuits require court-ordered mediation before contested hearing for dissolution. Florida Supreme Court certifies family mediators. Mediation often resolves property division, including the marital home outcome, without trial

TCJA alimony change

Tax Cuts and Jobs Act effective January 1, 2019 eliminated the alimony deduction for payors and inclusion in payee’s income for divorces finalized after 2018. Pre-2019 divorces grandfathered. Substantial impact on net cash flow + mortgage qualifying analysis

3-year continuance

Fannie Mae B3-3.1-09 requires alimony or child support to have at least 3 years of remaining continuance to count as qualifying income on the refinance. Less than 3 years remaining typically excluded from qualifying calculation

Marital settlement agreement and divorce financial documents

Working with a coordinated divorce professional team on Florida real estate matters is the foundation of properly-structured post-divorce homeownership. Your team handles equitable distribution analysis under Florida Statutes Chapter 61.075 starting from presumption of equal distribution then adjusting for statutory factors (contribution to marriage, economic circumstances, marriage duration, interruption of personal careers, contributions to other spouse’s career, intentional dissipation), marital vs non-marital property classification (premarital assets, gifts and inheritances to one spouse, assets traceable to non-marital sources remain non-marital; income from marital efforts during marriage is marital), marital home valuation through USPAP-licensed real estate appraisers (often dueling appraisals when value contested), business interest valuation through CPA forensic accountants with ABV (Accredited in Business Valuation) or CFF (Certified in Financial Forensics) credentials through AICPA applying Income / Market / Asset approaches, Marital Settlement Agreement (MSA) drafting with property division terms aligned with refinance closing timeline, court-ordered mediation coordination through Florida Supreme Court certified mediators, alimony and child support income projections via Certified Divorce Financial Analyst (CDFA), retirement plan division through Qualified Domestic Relations Order (QDRO) preparation by ERISA-qualified attorney for 401(k) / pension division, and post-judgment quitclaim deed timing to transfer the non-keeping-spouse’s interest off the marital home title. Stairway Mortgage partners with Florida divorce professionals across Broward, Miami-Dade, Palm Beach, and the Treasure Coast on marital home buyout refinances, equitable distribution-aligned closings, and alimony / child support income qualifying under Fannie Mae B3-3.1-09 framework. Or skip ahead: browse every loan program, run 100+ mortgage calculators, or check today's rates.

01 · Working with divorce professionals at a glance

Key facts every Florida divorcing party should know about real estate coordination.

Florida no-fault state

Florida is a no-fault divorce state. Standard ground is “irretrievably broken” marriage. Fault rarely affects equitable distribution but may affect alimony in narrow circumstances. Mediation required in many circuits before contested hearing.

Equitable distribution

Florida Statutes 61.075 starts from presumption of EQUAL distribution of marital property, then adjusts for statutory factors. Not strict 50/50 in all cases. Marital home commonly split or one spouse buys out the other’s interest through refinance.

Marital vs non-marital

Marital property is generally property acquired during marriage from marital efforts. Non-marital includes premarital assets, gifts / inheritances to one spouse, and assets traceable to non-marital sources. Marital home appreciation during marriage typically marital regardless of pre-marriage purchase.

Buyout via refinance

Common marital home outcome: one spouse keeps the home and buys out the other’s equity share through cash-out refinance. Refinance proceeds pay the departing spouse their equitable share. Quitclaim deed executed at or near refinance closing. Timing coordination critical.

02 · Five divorce professional types

How divorce professionals coordinate the Florida divorce + real estate transaction.

Florida divorce + real estate coordination requires multiple specialist roles. The five types most commonly involved: family law attorneys, certified mediators, Certified Divorce Financial Analysts (CDFA), forensic accountants, and USPAP-licensed real estate appraisers.

Family law attorney

"Primary divorce counsel. Florida Bar Family Law Section member. Handles dissolution petition, discovery, equitable distribution arguments, alimony / child support advocacy, mediation representation, trial if contested, and Marital Settlement Agreement drafting."

Florida Bar Family Law Section
Dissolution petition + discovery
MSA drafting + court representation
Coordinates buyout refinance timing

See family law mechanics

Family mediator

"Florida Supreme Court certified family mediator facilitates settlement negotiation between parties. Court-ordered in many circuits before contested hearing. Often resolves property division, alimony, child support, and time-sharing without trial. Neutral role — not advocacy."

FL Supreme Court certification
Court-ordered settlement facilitation
Property division resolution
Often replaces contested trial

See mediation mechanics

Certified Divorce Financial Analyst

"CDFA credential through Institute for Divorce Financial Analysts. Financial planning specialty for divorce: cash flow analysis, property division scenarios, alimony / child support modeling, retirement projection, tax impact under TCJA post-2018 changes."

CDFA credential (IDFA)
Property division scenario modeling
Cash flow + alimony / child support analysis
Post-divorce financial planning

See CDFA mechanics

Forensic accountant

"CPA with ABV (Accredited in Business Valuation) and/or CFF (Certified in Financial Forensics) through AICPA. Business interest valuation, lifestyle analysis, marital vs non-marital tracing, hidden asset investigation, lost income analysis. Common in HNW + business-owner divorces."

CPA + ABV / CFF credentials
Business valuation (Income / Market / Asset)
Lifestyle + tracing analysis
HNW + business-owner divorces

See forensic accounting mechanics

USPAP real estate appraiser

"State-certified appraiser following USPAP standards. Marital home valuation for equitable distribution. May be retained jointly OR dueling appraisals when value contested. Appraisal value determines departing spouse’s equity buyout amount."

USPAP-certified Florida appraiser
Marital home FMV determination
Joint vs dueling appraisal models
Buyout amount foundation

See appraisal mechanics

03 · What your team does at each divorce phase

How your divorce professional team coordinates with the marital home transaction.

Four substantive phases cover the divorce professional team’s work across the dissolution lifecycle as it intersects with the marital home: petition + discovery, valuation + mediation, MSA + judgment, and post-judgment refinance + deed execution.

Phase 1 — Petition + discovery

Family law attorney files Petition for Dissolution under Florida Rules of Family Law Procedure. Mandatory financial disclosure (Florida Family Law Form 12.902) covers income, expenses, assets, liabilities. Discovery may include interrogatories, request for production, depositions. Marital home valuation initial estimate. Initial property classification (marital vs non-marital) analysis. Temporary relief motions (use of marital home, temporary alimony / child support) if needed during pendency.

Phase 2 — Valuation + mediation

USPAP-licensed appraiser values the marital home. Forensic accountant values business interests if applicable. CDFA models property division scenarios + cash flow projections including alimony / child support tax impact post-TCJA 2018. Court-ordered mediation in many Florida circuits. Mediator facilitates negotiation; settlement resolves property division, alimony, child support, time-sharing. Outcome documented in mediation agreement leading to MSA.

Phase 3 — MSA + Final Judgment

Marital Settlement Agreement (MSA) drafted by family law attorneys documenting equitable distribution including marital home outcome (sell + split, buyout, continued co-ownership rare), alimony amount + duration + type (bridge-the-gap, rehabilitative, durational, permanent under Florida Statutes 61.08), child support per Florida Statutes 61.30 guidelines, time-sharing schedule, and QDRO requirements for retirement plan division. Final Judgment of Dissolution incorporates MSA.

Phase 4 — Post-judgment refinance + deed

For marital home buyout: refinance closing scheduled aligned with MSA terms. Mortgage lender (Stairway) qualifies the keeping spouse on post-divorce income (W-2 + alimony / child support per Fannie Mae B3-3.1-09 with 3+ year continuance) or other documentation. Cash-out refinance proceeds fund the buyout. Quitclaim deed executed at or near closing transferring departing spouse’s interest off title. QDRO submitted to retirement plan administrators for 401(k) / pension division per ERISA framework.

04 · What equitable distribution and the marital home mean for your real estate

Six things every Florida divorcing party should know about real estate in divorce.

Florida divorce + real estate intersection is substantively different from non-divorce real estate transactions. Six clarifications every Florida divorcing party should understand before the MSA finalizes.

Equitable distribution is NOT 50/50 by default

Florida Statutes 61.075 starts from presumption of EQUAL distribution then adjusts for statutory factors: contribution to marriage, economic circumstances, marriage duration, interruption of personal careers, contribution to other spouse’s career, intentional dissipation, any other relevant factors. Outcomes can deviate materially from 50/50 based on facts.

Marital home buyout via cash-out refinance

Common outcome: one spouse keeps the marital home and buys out the other’s equity through cash-out refinance. MSA documents the buyout amount based on appraised value minus mortgage payoff divided per equitable distribution. Refinance closing timing must align with MSA + Final Judgment. Stairway coordinates the buyout refinance with the family law attorney.

TCJA changed alimony tax treatment

Tax Cuts and Jobs Act effective January 1, 2019 eliminated the alimony deduction for payors and inclusion in payee’s income for divorces finalized after 2018. Pre-2019 divorces grandfathered under old tax rules. Substantial impact on net cash flow analysis + mortgage qualifying capacity for both spouses. CDFA modeling addresses post-TCJA treatment.

Alimony + child support as qualifying income

Fannie Mae B3-3.1-09 permits alimony or child support as qualifying income IF documented in court order or MSA AND with 3+ years of remaining continuance. Less than 3 years remaining typically excluded. Income must be received reliably (typically 6-12 months of history). Documentation: MSA / Final Judgment + bank deposit history.

QDRO for retirement plan division

Qualified Domestic Relations Order (QDRO) required under IRC Section 414(p) to divide qualified retirement plans (401(k), pension) per divorce. QDRO drafted by ERISA-qualified attorney, submitted to plan administrator. IRA division does NOT require QDRO; direct transfer per IRC 408(d)(6) permitted post-divorce.

Quitclaim deed timing post-judgment

Post-judgment quitclaim deed transfers the departing spouse’s interest off the marital home title. Timing critical: typically executed at or near the buyout refinance closing. Recorded with county clerk to update title. Mortgage on the marital home remains in original borrower names until refinance regardless of quitclaim. Coordination between family law attorney + real estate attorney + lender essential.

05 · Divorce professional credentials

Divorce professional credentials and specialty designations explained.

Florida divorce professional credentials document specialty expertise across family law, mediation, financial planning, business valuation, and matrimonial law. Cross-specialty coordination is the norm in HNW + business-owner Florida divorces.

FL Bar Family Law Section

Florida Bar Family Law Section membership
Continuing Bar education + practice network
Florida Statutes Chapter 61 expertise

Best for: Family law attorneys

AAML — Matrimonial Lawyers Fellowship

American Academy of Matrimonial Lawyers
10+ years practice + exam + peer review
Premier matrimonial law credential

Best for: HNW + complex divorces

FL Supreme Court Certified Mediator

Florida Supreme Court certification
Family mediator training + practice
Court-ordered mediation eligibility

Best for: Settlement facilitation

CDFA — Certified Divorce Financial Analyst

Institute for Divorce Financial Analysts
CDFA Education + exam + continuing education
Property division + cash flow modeling

Best for: Financial planning

ABV — Accredited in Business Valuation

AICPA business valuation credential
CPA + valuation exam + experience
Income / Market / Asset approaches

Best for: Business interest valuation

CFF — Certified in Financial Forensics

AICPA financial forensics credential
Lifestyle analysis + tracing + investigation
Hidden asset discovery

Best for: Forensic investigation

USPAP-Certified Appraiser

Uniform Standards of Professional Appraisal Practice
State certification (Florida DBPR)
Residential or general appraiser classifications

Best for: Marital home valuation

06 · Six forces shaping Florida divorce + real estate practice

How Florida divorce + real estate practice operates in 2026.

Florida divorce + real estate practice operates at the intersection of Chapter 61 statutory evolution, mediation expansion across circuits, TCJA tax law impact post-2018, HNW divorce complexity growth, alimony reform discussions, and Florida wealth migration creating multi-state divorce considerations.

Force 1 — Chapter 61 statutory evolution

Florida Statutes Chapter 61 continues evolving through legislative amendments and appellate case law refinement. Alimony reform discussions ongoing through multiple legislative sessions; 2023 SB 1416 modified durational alimony rules. Equitable distribution case law refines marital vs non-marital classification, particularly for premarital business interests with active marital efforts during marriage. Family law attorneys maintain practice currency through Florida Bar Family Law Section CLE.

Force 2 — Mediation expansion across circuits

Florida judicial circuits increasingly require court-ordered mediation before contested family law hearings. Florida Supreme Court family mediator certification standardizes practice. Most Florida divorces resolved via mediation rather than contested trial. Mediation outcomes documented in mediation agreement leading to MSA. Reduces litigation cost and family conflict; structures clear property division outcomes including marital home disposition.

Force 3 — TCJA alimony tax impact post-2018

Tax Cuts and Jobs Act effective January 1, 2019 eliminated alimony tax deduction for payors and inclusion in payee’s income for divorces finalized after 2018. Pre-2019 divorces grandfathered. Substantial impact on negotiation dynamics, settlement structures, and net cash flow analysis. CDFA practitioners model post-TCJA treatment carefully. Mortgage qualifying analysis affected on both payor (no income reduction) + payee (no income inclusion) sides.

Force 4 — HNW divorce complexity growth

Florida HNW divorce volume continues growing with wealth migration from California, New York, Illinois, New Jersey. HNW divorces typically require forensic accountant business interest valuation (CPA + ABV / CFF), CDFA cash flow modeling, USPAP appraiser team for multiple properties, asset protection attorney coordination, and AAML-fellow family law attorneys for matrimonial law expertise. Cross-specialty team coordination essential.

Force 5 — Florida alimony reform

Florida alimony reform discussions across multiple legislative sessions resulting in 2023 SB 1416 modifying durational alimony provisions, age + duration limits, and rehabilitative alimony. Permanent alimony eliminated as standard type. Continues to evolve. Impact on mortgage qualifying analysis substantial given alimony as qualifying income consideration under B3-3.1-09 continuance requirements.

Force 6 — Florida wealth migration + multi-state considerations

Florida wealth migration creates multi-state divorce considerations: residency establishment for Florida divorce jurisdiction (6-month residency requirement under Florida Statutes 61.021), multi-state property holdings requiring multi-state coordination, multi-state income sources affecting alimony / child support calculations. Family law attorneys coordinate across jurisdictions; CDFAs model multi-state tax + cash flow scenarios.

07 · Divorce + real estate transaction timeline

The divorce + marital home transaction timeline.

A timeline view of how divorce professional work integrates with the marital home transaction across petition + discovery, valuation + mediation, MSA + judgment, and post-judgment refinance + deed phases.

Petition + discovery

Filing + financial disclosure

Team work: Family law attorney files Petition for Dissolution. Mandatory financial disclosure (Form 12.902). Discovery: interrogatories, request for production, depositions. Initial marital home valuation estimate. Property classification (marital vs non-marital) analysis. Temporary relief motions if needed. Coordination with lender: Pre-divorce mortgage status documented.

Valuation + mediation

Appraisal + settlement facilitation

Team work: USPAP appraiser values marital home. Forensic accountant values business interests if applicable. CDFA models property division scenarios. Court-ordered mediation in many FL circuits. Settlement negotiation through certified family mediator. Mediation agreement documents outcomes. Coordination with lender: Pre-qualification analysis for keeping spouse’s buyout refinance capacity.

MSA + Final Judgment

Settlement documentation + judgment

Team work: Marital Settlement Agreement (MSA) drafted documenting equitable distribution, alimony (type + amount + duration per FL 61.08), child support (FL 61.30 guidelines), time-sharing schedule, QDRO requirements. Final Judgment of Dissolution incorporates MSA. Coordination with lender: MSA terms reviewed for refinance qualifying alignment.

Post-judgment refinance + deed

Buyout refinance + quitclaim execution

Team work: Refinance closing scheduled aligned with MSA. Lender (Stairway) qualifies keeping spouse on post-divorce income (W-2 + alimony / child support per B3-3.1-09 with 3+ year continuance). Cash-out proceeds fund buyout. Quitclaim deed executed at or near closing. QDRO submitted to retirement plan administrators per ERISA framework.

08 · What divorcing parties say

What Florida divorcing parties say about their team + Stairway coordination.

Names abbreviated for client privacy. Transaction details anonymized. Professional names withheld out of courtesy.

"Marital home buyout refinance on a $1.65M Weston home coordinated by my AAML-fellow family law attorney + CDFA after our mediation resolved the equitable distribution. MSA documented: I keep the marital home, refinance to buyout my ex-spouse’s 50% equity share ($580K buyout amount based on appraised $1.85M minus $695K mortgage payoff), $4,500/month durational alimony for 8 years, child support per FL 61.30 guidelines. Jim’s team qualified me on W-2 ($240K) + alimony per B3-3.1-09 with 8-year continuance. $1.275M Cash-Out Refinance close in 39 days. Team + Stairway coordination on the MSA timing + refinance was seamless — closing scheduled exactly when MSA required."

Karen P.

Marital home buyout refinance · Weston

"HNW Florida divorce with substantial business interest valuation challenges coordinated by my AAML family law attorney + CPA forensic accountant with ABV credential. Business valuation finalized at $4.2M using Income approach (capitalized earnings) cross-checked against Market approach (comparable transactions). MSA structured: I keep marital home + business; ex-spouse receives liquid + retirement plan assets equalizing the distribution. Jim’s team handled the marital home refinance ($2.4M Conventional Jumbo with Asset-Depletion on $5.8M post-MSA portfolio) plus separate financing for a $1.1M post-divorce condo purchase. Both closes properly coordinated."

David W.

HNW divorce + business valuation · Pinecrest

"Florida divorce where the MSA outcome was sale of the marital home + equal split of proceeds, then I purchased a smaller post-divorce primary residence. Family law attorney + USPAP appraiser team coordinated the marital home valuation ($925K), MSA documented split of net proceeds after mortgage payoff + closing costs, and the sale closed before my new home purchase. Jim’s team qualified me on W-2 ($165K) + my equity share of the marital home sale ($165K cash for new down payment) for a $725K Coral Springs home Conventional Conforming close. Sequential coordination was perfect — sale closed Tuesday, purchase closed Friday."

Andrea M.

Sale + new home purchase · Coral Springs

09 · Divorce professional partner FAQs

Questions Florida divorcing parties and professionals ask, answered.

More divorce partnership and refinance resources at Stairway

Does equitable distribution mean 50/50 in Florida?

Florida Statutes 61.075 starts from the presumption of EQUAL distribution of marital property, then adjusts for statutory factors (contribution to marriage, economic circumstances, marriage duration, career interruption, contribution to other spouse’s career, intentional dissipation). Outcomes can deviate from 50/50 based on facts. Most cases land near 50/50 but material deviations occur.

How does the marital home buyout typically work?

Common outcome: one spouse keeps the home and buys out the other’s equity share through cash-out refinance. Buyout amount = appraised value minus mortgage payoff, divided per equitable distribution percentages. Refinance closing scheduled aligned with MSA + Final Judgment. Quitclaim deed transfers departing spouse’s interest off title at or near closing.

Can I qualify for the buyout refinance on my income alone?

Depends on income + alimony / child support + debt structure post-divorce. Fannie Mae B3-3.1-09 permits alimony + child support as qualifying income IF documented in MSA / Final Judgment AND with 3+ years remaining continuance. Stairway runs pre-divorce pre-qualification analysis given likely post-divorce income structure so the MSA terms align with refinance capacity.

How did the TCJA change alimony for divorces post-2018?

Tax Cuts and Jobs Act eliminated alimony deduction for payors and inclusion in payee’s income for divorces finalized after January 1, 2019. Pre-2019 divorces grandfathered under old tax rules. Substantial impact on net cash flow + negotiation dynamics. CDFA modeling addresses post-TCJA treatment. Mortgage qualifying analysis affected for both spouses given different tax treatment.

What is a QDRO and when do I need one?

Qualified Domestic Relations Order under IRC Section 414(p) divides qualified retirement plans (401(k), pension) per divorce. ERISA-qualified attorney drafts QDRO, submits to plan administrator. IRA division does NOT require QDRO; direct transfer per IRC 408(d)(6) permitted post-divorce. QDRO required for 401(k) / pension division to avoid early withdrawal penalty + immediate taxation.

How long does Florida divorce + buyout refinance take?

Florida divorce timeline varies substantially. Uncontested with mediation settlement: 3-6 months typical. Contested cases: 9-18+ months. Buyout refinance scheduled post-MSA + Final Judgment. Refinance closing typically 30-45 days from application. Pre-qualification analysis ahead of MSA finalization helps align timelines and ensure refinance capacity matches MSA terms.

What income documentation do I need for the buyout refinance?

Standard income documentation (W-2 / paystubs / tax returns) plus MSA / Final Judgment documenting alimony + child support amounts and duration. Bank deposit history (typically 6-12 months) showing actual receipt of alimony / child support. 3+ year continuance required to count toward qualifying income per B3-3.1-09. Stairway coordinates with your CDFA on the qualifying analysis.

When is a forensic accountant needed in Florida divorce?

Forensic accountants (CPA + ABV / CFF) commonly engaged for: business interest valuation, marital vs non-marital tracing on complex assets, lifestyle analysis where lifestyle exceeds reported income, hidden asset investigation, and lost income / lost earning capacity analysis for alimony. HNW + business-owner divorces almost always need forensic accountant. Standard W-2 divorces typically don’t.

Is mediation required for Florida divorce?

Many Florida judicial circuits require court-ordered mediation before contested final hearing. Florida Supreme Court certified family mediator facilitates settlement. Mediation often resolves property division (including marital home), alimony, child support, and time-sharing without trial. Most Florida divorces resolved via mediation rather than contested trial. Reduces cost + family conflict.

I’m a divorce professional. Can Stairway help with my own home mortgage?

Yes — family law attorneys, mediators, CDFAs, and forensic accountants often have multi-source income (W-2 + partnership K-1 + variable bonus + book-of-business). Stairway handles this via Fannie Mae B3-3.1-01 variable income (W-2) plus B3-3.4-02 partnership documentation. See our professional services hub for multi-source qualifying paths.

10 · Companion guides & calculators

More on divorce coordination, buyout refinances, and alimony qualifying.

Divorce-relevant loan programs

Related partner hubs

Calculators & tools

11 · Sources & further reading

Sources & further reading.

Florida Bar & matrimonial law

Florida Statutes & Constitution

CDFA, AICPA & appraisal

IRS, IRC & tax

CFPB & mortgage references

12 · What divorce team + Stairway partnership looks like

Real-world divorce professional partnership coordination.

An AAML-fellow family law attorney at a Fort Lauderdale boutique firm referred a HNW client to Stairway after the prior lender refused to coordinate the buyout refinance with the divorce judgment timing. Client situation: $1.85M Coral Springs marital home buyout with the spouse keeping the home funded through cash-out refinance to pay the departing spouse’s 50% equity share aligned with the Final Judgment. Team partnership coordination: USPAP appraiser valuation of marital home at $1.95M, CDFA cash flow modeling of post-divorce income capacity, AAML family law attorney MSA drafting documenting equitable distribution + alimony + child support per FL Chapter 61, court-ordered mediation through Florida Supreme Court certified mediator resolving property division, and Final Judgment of Dissolution incorporating MSA terms. Stairway qualified the keeping spouse on W-2 ($285K) + alimony ($5,500/month for 10 years per MSA with B3-3.1-09 3+ year continuance documented) and structured the Cash-Out Refinance at $1.275M (paying $580K buyout to departing spouse plus closing costs). Closing scheduled exactly when MSA + Final Judgment required. Quitclaim deed executed at closing transferring departing spouse’s interest off title. $1.275M Cash-Out Refinance close in 38 days. Divorce team + Stairway coordination on MSA timing + buyout refinance + alimony qualifying + quitclaim execution is the partnership pattern that produces successful Florida marital home buyout closes — the team brings family law + financial analysis expertise, Stairway brings specialty refinance underwriting on multi-source post-divorce income.

House keys at divorce buyout refinance closing

38-day buyout refinance · Coral Springs, FL

Talk to a Florida mortgage specialist about your divorce + real estate transaction

Whether you’re navigating a Florida marital home buyout, post-divorce purchase, or coordinating the refinance timing with your MSA — or you’re a divorce professional looking for a mortgage yourself — Stairway coordinates the mortgage side with the depth your divorce team expects.

For Florida divorcing parties: marital home buyout cash-out refinance coordination with MSA + Final Judgment timing, alimony / child support qualifying income under B3-3.1-09 with 3+ year continuance, post-divorce purchase financing, asset-depletion qualifying on managed portfolio assets post-MSA, and quitclaim deed timing aligned with refinance closing. For divorce professionals looking for a mortgage on your own home, Stairway handles family law attorneys, mediators, CDFAs, and forensic accountants on multi-source income paths combining W-2 + partnership K-1 + variable bonus + book-of-business through the professional services hub with Fannie Mae B3-3.1-01 + B3-3.4-02 documentation.

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Jim Blackburn NMLS #1072866 · Stairway Mortgage