How Divorce or Job Relocation Affects Homeownership
Major life transitions often bring emotional and financial upheaval. Events like divorce or job relocation can quickly complicate your mortgage, disrupt homeownership plans, and force difficult decisions about your property. For Wisconsin homeowners navigating these challenges, selling a home quickly and efficiently becomes critical.
At Easy Home Sale, we specialize in helping people facing these exact situations by providing straightforward, all-cash offers and a timeline that works for you.
How Divorce Impacts Homeownership and Mortgages
Divorce can place serious stress on homeownership. Most married couples are co-signers on the mortgage, which means both are legally responsible for the loan, regardless of who stays in the home. According to Bankrate, divorcing homeowners remain liable for the mortgage unless the loan is refinanced or the property is sold.
If one spouse wishes to keep the home, they must typically refinance the loan under their name alone. However, as Rocket Mortgage explains, this requires qualifying based on individual income and credit, which can be difficult post-divorce. Lenders may also require proof of divorce agreements and asset division before approving refinancing.
In some cases, a mortgage assumption may be possible, allowing one spouse to take over the loan entirely. But as the Divorce Lending Association points out, not all lenders allow assumptions, and strict underwriting requirements apply.
When neither spouse can qualify on their own, selling the home is often the most practical solution. This allows both parties to walk away cleanly, divide the equity, and avoid future liability.
In Wisconsin, a community property state, marital assets are generally split evenly. This means the equity in your home will usually be divided 50/50 unless otherwise negotiated in your divorce decree.
Job Relocation: Selling Under Pressure
Job relocation is another life event that places intense pressure on homeowners. Whether prompted by a promotion, career change, or corporate transfer, relocation often involves a tight timeline for selling your home.
According to HomeLight, over five million Americans moved for work in the last year. These moves often require homeowners to sell their homes quickly to meet employer deadlines or secure housing in a new city.
The problem is that traditional home sales take time. FastExpert reports that a typical home sale takes more than 60 days. For relocating homeowners, that timeline often isn’t fast enough.
Cash buyers offer a distinct advantage in this scenario. As Fine Homes and Living highlights, selling to a cash buyer avoids the delays and costs of traditional listings, inspections, and financing.
Some companies offer relocation packages, but they rarely cover repairs, staging, or the full cost of selling through an agent. A fast, direct sale to a professional buyer like Easy Home Sale can eliminate these costs and get you moving faster.
Why Easy Home Sale Is the Right Choice
Whether you are navigating a divorce or planning a move for work, Easy Home Sale offers a clear path forward:
Fast closings: We can close in as little as seven days, meeting tight relocation schedules or divorce settlement deadlines.
No repairs or showings: You can sell your home in its current condition. We do not require repairs, inspections, or staging.
No financing risk: Our offers are cash, so there is no waiting for mortgage approvals or buyer contingencies.
Zero commissions: You pay no real estate agent fees, and we cover most or all standard closing costs.
Clear financial picture: We coordinate directly with your mortgage lender to ensure your loan is paid off at closing, and you receive any remaining equity.
Step-by-Step Process
Contact us—share your situation: divorce, relocation, mortgage status.
Receive a written offer—within 24 to 48 hours, factoring in your loan, equity, and timeline.
Choose your closing date—based on your schedule.
Sign and close—we handle title, mortgage payoff, and disburse your funds.
Frequently Asked Questions
Can I sell my house if my ex and I are both on the mortgage?
Yes. You’ll need to coordinate together or work through the divorce decree. Selling to a cash buyer simplifies the process and avoids delays tied to traditional financing.
What if I need to sell quickly due to job relocation?
We regularly help homeowners meet tight deadlines. With Easy Home Sale, you can close in a week and avoid costly holdovers or double payments.
Can I use my relocation package if I sell for cash?
Yes. Relocation packages typically cover moving expenses, not your method of sale. You keep full access to those benefits when you choose a cash buyer.
What happens to my mortgage?
We work with your lender to get a payoff amount. At closing, your mortgage is paid in full from the sale proceeds, and any remaining equity is paid to you.
Your Next Move Starts Here
Divorce or relocation doesn’t need to derail your life. With a fast, fair cash offer from Easy Home Sale, you can move forward with clarity, confidence, and cash in hand.
Call Easy Home Sale at 920-600-9259 or fill out our secure online form today. Let us handle the hard part, so you can focus on your future.
