Mortgages and Divorce: Who Pays, Who Stays, and What Happens Next
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Mortgages and Divorce: Who Pays, Who Stays, and What Happens Next
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In this episode, Jason Kohlmeyer—Minnesota family law attorney and founder of Mankatofamilylaw.com breaks down one of the most stressful (and confusing) parts of divorce: the mortgage.
Who keeps the house? Who keeps paying for it? What if both spouses are on the mortgage? Jason explains how Minnesota courts typically treat mortgage debt, what “debt follows the asset” really means, and why refinancing ( or even selling) may be the smartest move.
We also talk about:
- What to do immediately after one spouse moves out
- How to handle joint mortgages when one person wants to stay
- How a “divorce refinance” or mortgage assumption works (and why banks don’t always like it)
- Why being “off the deed” isn’t the same as being off the hook to pay the mortgage.
Whether you’re going through a divorce or advising someone who is, this episode offers clear, pragmatic guidance with real-world examples.
DISCLAIMER: This is not legal advice! Just comments and thoughts from a divorce lawyer veteran. Please consult with a licensed (and good) Minnesota Family Law Attorney for legal advice.