Episode
Episode 357: The Truth About Mortgage Assumptions with Tami Wollensak
- Published
- Feb 19, 2026
- Duration seconds
- 2920
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Summary
I'm welcoming back one of your favorite guests and one of mine, divorce mortgage specialist Tami Wollensak, because we need to talk about the house. Specifically… what actually happens to it in divorce and what your real options are. Mortgage rules have shifted, interest rates have changed, and the questions I hear from clients all the time still come back to the same thing: Can I keep the house? Should I keep the house? Is it even possible? Tami and I walk through the realities behind keeping the marital home, including what people misunderstand about ownership, how mortgage assumption actually works, and why the emotional pull to keep it has to be balanced with long-term financial stability. We also talk about what happens when plans fall through, how to build backup strategies into your agreements, and why sometimes the smartest move is stepping back instead of fighting to stay. This conversation walks through the real financial and legal realities of what happens to the house in divorce. Because wanting the house and being able to keep the house are not always the same thing. What you'll hear about in this episode: The biggest misconception about "wanting to keep the house" (2:18) What mortgage assumption means and why you must ask the right questions (8:32) Why home ownership isn't always the healthiest financial decision after divorce (23:14) What happens when a mortgage assumption falls through and how to recover (41:32) Resources & Links: Assessing Change Worksheet Get Your Curated Podcast Playlist Focused Strategy Sessions with Kate The Divorce Survival Guide Resource Bundle Phoenix Rising: A Divorce Empowerment Collective Kate on Instagram Kate on Facebook Kate's Substack Newsletter: Divorce Coaching Dispatch The Divorce Survival Guide Podcast Episodes are al…