I often deal with clients who are experiencing the heartache of a relationship dissolution. It’s an emotional roller-coaster, but I’m always happy to help these clients get away. Sometimes they need to just get to a spa to relax and unwind – whether it’s the Ste. Anne’s Spa in Cobourg, or the Phoencian in Scottsdale. Sometimes they need to get out of their comfort zone, and do something to get their blood pumping again – whether it’s hiking New Zealand’s Milford Track, or driving a Ferrari through Tuscany. Whatever they need to do to start to heal, and to find themselves again, one thing they should do before getting away is to deal with some of the pressures surrounding their break up.
Today, I’m honoured to have my good friend, and business referral partner, Jacquie Bushell, write a guest blog for me. Jacquie is a mortgage broker with Oriana Financial, and she specializes in helping people navigate the troublesome waters of separation and divorce when it comes to their mortgages.
When your home becomes heartbreak hotel, call Jacquie Bushell.
Sometimes life takes a turn, and we end up sitting in a puddle of questions.
Take a deep breath. Sometimes, we just need a moment to breathe, and take some time. This is how several of my conversations start when I’m asked to act for separating couples.
When couples decide to go their separate ways, there are so many decisions to be made. Even under the most amicable of situations, this is a trying time -not to mention an emotionally, and physically, exhausting one.
As a mortgage professional, it is my job to create an environment of understanding and ease.
I will guide you through the process, avoid paperwork duplication, help clear obstacles, and help choose a lender that suits your new circumstance- whether there is a separation agreement in place, or not.
One of the hardest parts of settling the division of property is dealing with the primary residence. It’s not just a financial asset, it’s your home. It’s years of memories. It’s dealing with the place where you feel safe and secure. And now you have to make decisions, and you need answers to many questions.
-Who will keep the home?
-Is there enough equity in the home?
-How much will it cost to renegotiate the mortgage?
-Who covers the expenses?
-When I take the buy out, will there be enough money to create a down payment?
-How will child or spousal support affect my application?
-Can I afford to carry the mortgage on my home?
These are just a few of the questions you will be faced with. I have the answers to these questions, and many more.
I have handled numerous mortgages for clients who are in the process of separation or divorce. Although I cannot make the situation better, I can make this one area of the separation more manageable and calmer. And I can help take you to a successful completion.
As an AMP professional, I have the training, and the knowledge about which lenders will have product that will fit your new unique situation.
If you, or someone you know, is going through a separation or divorce, please give me a call. It would be my pleasure to assist. In addition to easing the process, another benefit is that the work I do for you may decrease, or ease, your legal fees as it relates to the home. Once I have completed the new mortgage re-structuring, the lender will pay me.
If you have questions, please do not hesitate to contact me.
Wishing you well,
Jacquie Bushell amp
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