Life Event · Texas
Divorce Buyout in Texas
Refinance to buy out your former spouse and keep the Texas home — without disrupting the kids' school or your equity.
Common challenges we solve
- Need to remove an ex-spouse from the mortgage and title
- Limited income documentation during transition
- Tight close timelines tied to the divorce decree
- Concerns about appraisal and equity split
What you get with Lumos
Tax-free cash-out structured around the divorce decree
Bank-statement and asset-based options if W-2 income changed
Discrete, attorney-coordinated closings
Loan programs that typically fit
Frequently asked
- Can I refinance before the divorce is final?
- Often yes — with a signed Marital Settlement Agreement we can structure the loan in advance and close after the decree.
- How much equity can I pull out?
- Typically up to 80% of the home's value on a primary residence, sometimes more with specialty programs.
- Do I need my ex-spouse's cooperation?
- We need their signature on title transfer documents, but the new loan is in your name only.
