Your home is your biggest asset.
Don't leave it to chance in your divorce.
Most divorce settlements fall apart at the mortgage table. I make sure yours don’t.
This isn't just another checklist.
A Strategic Game Plan For Your Home
A divorce settlement that seems fair on paper can have disastrous financial consequences in the real world. Every day, divorcing homeowners make irreversible decisions about their most valuable asset without realizing they're walking straight into a financial free fall.
They assume the equity buyout or loan assumption will be simple, only to find out the financing falls through. They agree to a support structure that seems logical, but later discover that income isn't "qualified" for a new mortgage. They fight to keep the house, not realizing that giving up other assets was a far more costly decision in the long run.
The Divorcing Homeowner's Workbook is your strategic guide to navigating the most critical financial decisions of your divorce. It's designed to give you the clarity and confidence to protect your home and your future.
The "Simple" Mistakes That Can Cost You Your Home
Avoid common mistakes in divorce agreements
The divorce process is filled with financial pitfalls that are easy to overlook. Many clients come to us after signing a settlement, only to face a costly, post-divorce surprise.
The Income Trap
How you structure spousal or child support payments can determine if it's considered qualified income for a future mortgage. Seemingly innocent choices, like maintaining a joint checking account, can render that support income unusable for financing.
The Equity Buy-Out Surprise
Your spouse wants to buy you out, or vice-versa. You both agree on a value from a recent appraisal. The problem? A lender's appraisal can be vastly different, and if the financing isn't properly planned for beforehand, the deal can fall apart, forcing a sale or worse, more litigation.
Overcome decision fatigue with a strategy
Divorce without a plan leads to overwhelm, uncertainty,
and stalled decision-making when clarity is needed most.
The "My Name is Still on the Loan" Myth
Divorce without a plan leads to overwhelm, uncertainty, and stalled decision-making when clarity is needed most.
The "Lump Sum" Problem
Receiving a large cash payout seems like a secure option, but without a documented income stream, you may not be able to qualify for the financing you need.
Hi, I’m Manya.
I’m a divorce strategy expert who helps clients get smart before or after they sign.
Before You Sign, Know This: Your Home Isn't Secured by a Legal Agreement, but by a Financial Strategy.
I help career professionals, stay-at-home parents, and empty nesters stress-test the fine print in a divorce settlement against the realities of lending, taxes, and cash flow—transforming a legal agreement into an executable plan.
Your divorce team is full of experts—legal, financial, psychological and otherwise. Think of me as the expert for the single most important asset in the equation: your home.
You’re never doing it alone. I collaborate directly with your attorney, financial advisor, or mediator to make sure every mortgage, retirement decision, and asset division aligns with your legal strategy. No guesswork. No gaps. Just a plan that works—because everyone’s on the same page.
Expert Guidance You Can Trust
Not sure where to begin?
Your divorce plan is only as strong as your strategy. Makes sense, right? If you don’t start with financial clarity and a smart strategy, every decision after gets harder.
Let’s prevent that.
Notes from the blog
