Divorce
Going through a divorce often means rethinking your housing and finances from the ground up. Jay Dacey Mortgage Team works with borrowers who are buying a new home, refinancing to remove a spouse, or accessing equity as part of a settlement — with discretion, patience, and a clear plan.
Refinance to remove a spouse
If you're keeping the marital home, a refinance can remove your former spouse from the mortgage and title, making you the sole owner. We'll help you qualify on your own income and credit, time the refinance to align with your divorce decree, and explain what documentation the court and the lender will need.
Buying a new home after divorce
Whether you're starting fresh or downsizing, we'll review your new financial picture — income, assets, and any support payments — and match you to a program you can qualify for on your own. From low-down-payment conventional loans to FHA and beyond, we'll find the path that fits your next chapter.
Accessing equity in a settlement
A cash-out refinance or HELOC can help you access your home's equity to buy out your spouse or cover settlement obligations. We'll walk you through the numbers, the timing, and the options so you can make informed decisions during a difficult transition.
Frequently Asked Questions
What Our Clients Say
"Amazingly Helpful"
I have yet to actually buy a house myself, mostly due to my own questions on what I want, but Jay came highly recommended from a trusted co-worker. He has helped me through multiple choices, questions, potential properties, and helped my sister with her mortgage too. I would highly recommend Jay and his team!
"Seamless Home Buying Experience"
Jay and Madeline were incredible to work with from start to finish. As first-time homebuyers, we had endless questions and they walked us through every option patiently. They found us a rate we couldn't get anywhere else and closed right on schedule!
"Engaged and Responsive!"
THANK YOU to Molly and the Jay Dacey Team! During a refinance of my mortgage loan for lowering my interest rate, lowering my mortgage payment, and squaring away my escrow account! Engaged and responsive! Handled a difficult purchase previously and executed flawlessly.
Read All 325+ Verified Client Reviews
Ready to Get Started?
Choose the option below that works best for you to get started with the Jay Dacey Mortgage Team.
Schedule a Call
Book a 1-on-1 mortgage consultation to review your budget, rate options, and down payment strategies.
Apply Online
Start your secure application whenever you're ready — easy to use, available 24/7, and you can save your progress and come back to it anytime.
- Secure
- 24/7 Access
- Save & Resume