Many costly real estate errors during divorce can be avoided with proper planning and documentation. Unfortunately, once the decree is signed, most cannot be undone.

• Foreclosure After a Failed Refinance:
  A homeowner faced bankruptcy when her ex-spouse’s post-divorce mortgage refinance was denied. Their joint loan remained in both names—and when payments stopped, foreclosure followed.

• Inherited Debt Through Title Liens:
  One man discovered too late that his ex-spouse’s $216,700 pre-marital debt had become his responsibility. A lien recorded during the marriage attached to the property he kept after the divorce.

• Unclosed Home Equity Accounts:
  Even a seasoned REALTOR® learned that paying off a home-equity balance doesn’t always close the account. Her ex-spouse later drew an additional $25,000 against the same line of credit, secured by the home she retained.

• Unexpected Legal Fees Despite “Hold Harmless” Language:
  Another client who kept the marital home was ordered to pay $12,000 of her ex-spouse’s attorney fees—despite a property-settlement agreement that included a “hold harmless” clause.

• Is the house title clear and marketable?
• Can the marital mortgage be refinanced and has the retaining spouse obtained written pre-approval to refinance?
• Is the house in good physical condition? Has the attic, crawl space, and similar areas been physically inspected for hidden damage?
• Are you a named insured on property & casualty, and title insurance?
• Will you have an insurable interest in the house post-divorce?
• Can the spouse keeping the house obtain property, casualty, and title insurance?
• Can you afford the “opportunity costs” of keeping the home?

The marital home often represents more than 60% of a family’s net worth, yet Arizona law provides little guidance on how this critical asset should be evaluated or divided during divorce.

Many couples rely on the simple formula — “appraisal minus mortgage” — but that number rarely reveals accurate home equity. Hidden liens, deferred maintenance, title encumbrances, or inaccurate payoff figures can significantly alter the actual picture.

That’s where real estate due diligence makes the difference. By gathering complete documentation early in the process, you can supplement your legal evidence, protect your equity, and avoid post-decree financial surprises — all with little to no cost or effort and no additional attorney fees.

👉 Get the facts before you decide.

Schedule Your Free Consultation to ensure your home’s actual value is accurately documented and fully protected.

Step 3: Execution and Support – Implement the strategy with ongoing support and communication to ensure a smooth transition.

• Divorce Support Groups
• Counseling Services – Maricopa County
• Counseling Services – Pinal County
• Co-Parenting Resources
• Stress Management Tips
• Self-Care Strategies
• Children’s Support Services

Bob Adelfson is a Realtor® specializing in divorce real estate. His expertise lies in guiding clients through the complexities of property division during divorce, ensuring a smooth transition. Bob holds a certification in Divorce Real Estate as well as the Real Estate Collaboration  Specialist in Divorce (RCS-D™) and is trained in mediation by the Arizona Attorney General’s office.  Bob is known for his compassionate approach, making him a trusted advisor for many in Arizona. His commitment to his clients is reflected in his personalized service and deep understanding of the legal and emotional aspects of divorce.