Buying a Home After a Divorce with Ashton Brooks | Episode 68

Mortgages and Refinancing During Divorce in ColoradoIn this episode of Divorce at Altitude, Amy Goscha is joined by mortgage professional Ashton Brooks to break down what divorcing spouses need to know about mortgages, refinancing, and qualifying for a new home in Colorado. Ashton shares his multi-generation real estate background and explains why planning early matters especially when a divorce involves keeping the marital home, buying a new residence, or relying on spousal maintenance or child support to qualify for financing.Ashton explains how lenders evaluate support income using “history and continuance,” why conventional and FHA rules differ, and how separation agreements and temporary orders can affect loan approval. The episode emphasizes a team approach divorce attorney and lender working together so clients can build a realistic budget, protect credit, and create a mortgage plan that actually works after divorce.Guest InformationAshton Brooks is a mortgage professional with a lifelong background in real estate and lending. He helps clients build mortgage plans early, improve credit when needed, and navigate refinancing or purchasing decisions during major life transitions like divorce.Episode OutlineAshton’s Path Into Mortgages How a multi-generation real estate family shaped his career in lending.Where Mortgage Rates and the Market Are How shifting rates, seasonality, and buyer demand affect purchase decisions.Rate Locks and Timing What lock periods mean and how longer locks change pricing.Appraisals and Paying Over Asking Why some buyers cover appraisal gaps and how comps can support higher prices.Common Divorce Mistakes With Credit How missed bills, drained accounts, and chaos can derail mortgage options.When to Bring in a Loan Officer Why early planning helps, especially before mediation or final settlement.Qualifying With Maintenance and Child Support How lenders evaluate support income using history and future continuance.FHA vs Conventional Support Rules Key differences in documentation, timelines, and mortgage insurance costs.Refinancing the Marital Home After Divorce What it takes to remove a spouse from the loan and why timing matters.Budget Reality Check The difference between what someone qualifies for and what they can truly afford.What is Divorce at Altitude? Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado. To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here.  If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at [email protected].************************************************************************DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.