Nevada family home — divorce mortgage scenarios

All programs and guides on Nevada Divorce Mortgage

Complete directory of every program and scenario covered on Nevada Divorce Mortgage. Every page below covers a specific scenario, program, or sub-niche in depth. Talk to Mike if you'd rather skip the reading and just describe your situation.

Programs and guides

10 pages

Key takeaways

A divorce buyout refinances the home into one spouse's name to pay off the old loan and pay the other their equity share; Fannie Mae treats it as a rate-and-term (limited cash-out) refinance — not a costlier cash-out — when you've jointly owned the home 12+ months and the buyout amount is documented in the decree, up to about 95% of value.
A quitclaim deed transfers title only, not the mortgage — both ex-spouses stay liable until the loan is refinanced or assumed (FHA, USDA, and VA loans are assumable; conventional isn't).
Spousal or child support can count as qualifying income under the 6/36 rule: at least six months of documented receipt and at least three years of continuance after closing (FHA allows three months).
We handle the financing; your attorney handles the legal terms of the decree.

Program figures verified July 2026 — details change; confirm your scenario with us.

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