Home Loans for Divorced Buyers in Florida

Buying after a divorce means documenting a new, often single income and handling support payments correctly. We structure the file around the transition.

Support

Counted

Decree

We Use It

3.5%

FHA Down

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Get Pre-Approved in Divorced Buyers

5 minutes · No cost · Soft credit pull only

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NMLS# 1859012 · Equal Housing Lender

Divorced Buyers · Florida

Home Loans for Divorced Buyers From a Florida Mortgage Broker

After a divorce, your income and debts look different than they did, and support payments cut both ways. Alimony or child support you receive can count as income with a documented history; payments you make count as debt. We work from your divorce decree, document the support correctly, and find a low-down loan or assistance so you can re-establish a home on the new budget.

The hurdle is usually the same one: A change in life — first home, a divorce, retirement, a new marriage — reshapes the income and the paperwork in ways a standard application does not expect. As a broker rather than a single bank, we focus on low-down-payment loans and assistance programs and shop the file to the lenders that write it well.

Programs That Fit Divorced Buyers

✓FHA loan. 3.5% down and flexible credit, a reliable starting point through any transition.

✓Conventional loan. 3% down for qualifying buyers, with cancellable PMI.

✓Down payment assistance. Florida help with the upfront cash when savings are tight.

✓Asset-depletion loan. Turns retirement and investment assets into qualifying income.

Want the detail? See the best loan programs for divorced buyers or walk through how to qualify step by step.

What to Bring

✓Income or benefit statements

✓Two months of bank statements

✓Divorce decree or support order (if any)

✓Photo ID

✓Asset statements

How It Works

Apply Online

5 min · soft credit pull only

Match Program

We shop lenders for divorced buyers

Processing

Our team handles paperwork

Typically 14–21 days

FAQ

Divorced Buyers Home Loan Questions

Does child support or alimony count as income?

Yes, when you receive it and can document a history — usually six months received and three years continuing, per the decree. Support you pay counts as a monthly debt. We read the decree and document both sides so your ratio is accurate.

Can I buy a home soon after a divorce?

Often yes. Once the decree is final and your income and debts are documented, you can qualify on your own. If you are keeping or refinancing the former marital home, we handle that too. We build the file around your new, post-divorce numbers.

Keep Going

Best Programs for Divorced Buyers How Divorced Buyers Qualify All Florida Home Loans All Loan Programs Apply for Pre-Approval

Home Loans for Divorced Buyers?

A licensed Florida mortgage broker who shops the loan for you — 5-minute pre-approval, honest rates.

(561) 300-0380

Rates are illustrative only. APR and payments vary by credit score, loan amount, and market conditions. Subject to credit approval. Not a commitment to lend. NMLS# 1859012. Equal Housing Lender.