Find Stability During Life’s Transitions – Expert Mortgage Solutions After Separation

Whether you’re dividing assets or starting fresh, I’ll guide you through the mortgage process with care and expertise.

Take Control of Your Future During a Challenging Time

Separation is a life-altering event, and dividing finances can feel overwhelming.

A tailored mortgage solution can provide the support you need to secure a home for yourself or your family, manage the division of property or facilitate a buyout of your partner, and gain a clear understanding of your financial options, whether that involves buying a new home, refinancing an existing mortgage, or selling your property.

Flexible Mortgage Solutions for Your Unique Situation:

Depending on your circumstances, you may explore options such as buying out a partner with a new or refinanced mortgage, purchasing a new home tailored to your financial situation, or restructuring an existing mortgage to align with your individual goals. An expert can also guide you through the financial logistics of equitably dividing property.

Personalized Guidance for Separation in Campbell River & Comox Valley

Personalized Guidance for Separation in Campbell River & Comox Valley

Compassionate Expertise When You Need It Most

With years of experience in real estate and mortgage services, Antonietta deeply understands the complexities of separation and property division. She is committed to helping you explore your options with care, confidentiality, and the expertise needed to move forward with confidence.

Clear Steps Toward Financial Clarity

Separation or divorce is a challenging time, especially if children are involved. Your home represents both stability and your most valuable asset, making decisions around it critical. Here’s what you need to know about managing your mortgage during this time.

Step 1:  Initial Consultation

One common option is to sell the property, split the proceeds, and move forward separately. This allows both parties to start fresh with their share of the equity. We can discuss your personal matter further to see what other options are on the table.

Step 2: Assess Options

Explore mortgage products tailored to your unique circumstances, whether it’s refinancing, buying out a partner, or purchasing a new home.

If one party wishes to keep the home, a buyout involves refinancing the mortgage and compensating the other spouse for their share of the equity. Key points to keep in mind:

    •    A Separation Agreement may outline who is responsible for mortgage payments, but unless you are officially removed from the mortgage, you remain liable.

    •    Transferring property title does not automatically release you from mortgage obligations.

    •    Ensure you obtain a formal release or letter from the lender confirming your removal.

Tip: I can help assess your current mortgage to determine if it’s assumable or assist you with refinancing to meet income and credit requirements.

Step 3: Application and Approval

Reapplying for a mortgage post-separation involves several steps:

    1.    Provide Your Separation Agreement: Most lenders require this document.

    2.    Appraisal or Property Valuation: Some lenders may need an updated property valuation.

    3.    Demonstrate Financial Independence: Show you can cover mortgage payments independently.

If spousal or child support impacts your financial situation, I can work with you to identify solutions tailored to your needs.

Step 4: A New Start

Whether keeping your current home or buying a new one, a mortgage pre-approval can clarify your financial capabilities. If you have equity from a buyout or sale, this could form a solid down payment for your next property.

Protect Your Credit

Divorce or separation can strain your credit, but protecting it is essential for future financial stability:

    •    Close joint accounts and credit cards where possible.

    •    Freeze accounts you cannot close and ensure minimum payments are made.

    •    Build your independent credit history by opening your own credit card and making timely payments.

Bad credit? I can help you improve your score before applying for a mortgage.

Frequently Asked Questions

Question not listed below? No problem - reach out and let's talk about it!

You can either refinance and buy out your partner or sell the property and split the proceeds. I can help you explore both options.

Yes! With my access to 90+ lenders, we’ll find a solution tailored to your income and credit profile.

Refinancing allows you to take over the shared mortgage or access equity for a fresh start.

Schedule a consultation Today!

I’m excited to connect with you and support you on your unique journey to homeownership. Helping others navigate their challenges and achieve their dreams brings me immense joy, and I look forward to learning how I can make a difference in your story.

Meet Antonietta Gaudet – Your Separation Mortgage Specialist

Expert Advice with Local Knowledge

Antonietta Gaudet is a trusted Mortgage Professional with Dominion Lending Coastal Mortgages, specializing in helping move through separation and deal with the mortgage process in Campbell River and Comox Valley. 

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Take the guesswork out of buying a home with Antonietta Gaudet's powerful mortgage calculator app. From estimating your down payment to stress testing your mortgage and comparing options side by side, this app simplifies it all. Available in English, French, Spanish, Hindi, and Chinese, it's designed to meet your needs—wherever you are.

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"...if you are looking for a honest respectful kind and always there day and night I would say look no further here is your one stop shop realtor mortgage broker ……FYI my friends keep asking how I got such a low interest rate and I can only say Antonietta!"

-Tyler L.

"Antonietta was extremely helpful with finding our new home in the Campbell River area. Even when we were still off island she was willing to step in for visits from inspectors on our behalf. "

- James M.

"We used Antoinetta's services in the purchase of our first home. Antoinetta was our real estate agent and our mortgage broker."

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