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Divorce and the VA Loan Process

Divorce is nothing any couple expects to go through when they get married. Unfortunately many couples deal with the realities of divorce everyday and all the marital finances are affected.

During a divorce you have to come to an agreement on how your belongings are split up, how the debt is split up, and what happens to the home. Often the person who gets the house is the one that has custody of the children when there are children involved, or the one who can afford to make the mortgage payments.

There are different options to consider when you have a VA home loan and are getting divorced and trying to decide what to do with the house:

  • Agree on who gets the house, and if the individual that keeps the home can afford the mortgage payments.
  • Sell the house and divide any acquired equity in whatever way you agree the money should be split.
  • Refinance the home into a longer mortgage or lower interest rate in order to make the mortgage payments more affordable.

Since divorce proceedings can take a long time it may be difficult to continue making the mortgage payments every month. Try to come to an agreement on how the monthly payments will be met in order to maintain positive credit for both parties. The last thing you want to do is not make the payments, have a property foreclosure, and have credit problems for years to come. If you have to be late on payments or can't make the payments, contact your lender as soon as possible. They may be willing to work with you to set up a temporary forbearance, or relief of payment. Explain your situation in full and come up with a solution together.

Going through a divorce is a very difficult thing emotionally, psychologically, and financially. If you have a VA home loan and are getting divorced be sure to think of your home loan and all the options available to you before you decide what to do with your home and mortgage payments.

For more information on divorce and VA home loans contact your local VA office. To find the VA office nearest you go to VA Loan Government Page.

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