Refinancing during a divorce — a starting point.
Going through a divorce is hard. Most of us never had to think about all the accounts, assets, and debts in our lives — we just lived. This tool helps you slow down, gather everything in one place, and feel a little less overwhelmed.
Take it one section at a time. You can save and return. There are no wrong answers — only what you remember today.
Why this matters
Most of us never had to think about every account, every asset, every debt — we just lived our lives. When a divorce starts, suddenly the question is: what do we actually have?
The answer takes time to assemble, and that's normal. There's no shame in not knowing where every old retirement account is, or whether a small inheritance still counts as marital property. Most people don't.
What your attorney needs from you
Florida is an "equitable distribution" state — meaning marital assets and debts are divided fairly, not necessarily 50/50. Your attorney can't advocate for you effectively without a clear picture of:
- Marital assets — anything acquired during the marriage, regardless of whose name is on it
- Non-marital assets — things owned before the marriage, or specifically inherited or gifted to one spouse
- Marital debts — credit cards, loans, and other obligations taken on during the marriage
- Each spouse's income — for support and refinance qualification calculations
This tool gives you a head start on the first three. Use the report as your worksheet — fill in details with your attorney as documents come in during discovery.
Where Debbie comes in
Refinancing the marital home is one of the most common — and most consequential — financial decisions in a divorce. The mortgage is often joint, both names are on the title, and one spouse needs to either:
- Refinance to remove the other spouse's name — typical when one spouse is keeping the home
- Sell and split the proceeds — typical when neither spouse wants to keep the home alone
- Cash-out refinance to fund a buyout — to pay the other spouse's share of the equity
Each path has different qualification requirements (credit, income, debt-to-income), different rate implications, and different timing considerations relative to the divorce decree. Debbie's been guiding Florida families through these decisions for 40+ years and works without high pressure — many initial conversations end with "I'll think about it," and that's perfectly fine.
Common questions
Will my report be shared with anyone besides me and my attorney?
Only Debbie's office sees the data, so we can prepare for a refinance conversation if you opt-in. You can also opt out completely — just leave the "follow-up" box unchecked.
What if I don't know exact balances?
Estimates are fine. The report is a starting point, not a sworn financial affidavit. Your attorney will request formal statements during discovery.
Can I update or come back to my report later?
This page doesn't save your data between visits — that's intentional, for privacy. We recommend completing it in one sitting (about 15 minutes). After you submit, you'll have a printable copy.
Do I need to refinance my home?
Not always. If you're keeping the home and your name is the only one on the mortgage, you may not need to refinance immediately. If both names are on the mortgage and one of you is keeping the house, refinancing is typically the cleanest path forward. Debbie can walk you through the options.
What does this cost?
This tool is free. A consultation with Debbie is also free, and there's never any pressure to apply.