Member of the Colorado Bar Association

Board Member of
the Colorado Collaborative Divorce Professionals


When the Simple Becomes Complex:

Huettner Capital is a residential and commercial real estate lender. We handle all types of financing and specialize in complex transactions.

These situations typically involve self-employment, multiple properties, wealth management, investment property, relocation, and divorce to name a few. However, most people do not realize how frequently their situation is too complex for the typical lender to handle effectively.

Getting these loans done is not the problem. The problem is the people getting most borrower’s their loans. They simply have far too little knowledge and experience to get anything other than the cookie cutter loan done in less than several months. This is the reason why the traditional loan origination process just doesn’t work any more.

Creating a team and new loan process that works with full documentation loans, especially the complex ones, was the whole point in starting Huettner Capital from the very beginning. Welcome to the solution!

Refinancing your home after a divorce is a crucial step in separating your financial ties and starting anew. Many of our clients come to us with concerns about the timeline for refinancing, especially when they are eager to resolve financial issues quickly. While the specific timeline can vary based on your divorce agreement and local laws, understanding the general guidelines and your options can help you plan effectively. Here at Huettner Capital, our professionals are committed to guiding you through this process with the expertise and care you need.

General Timeline for Refinancing After Divorce

Typically, the timeframe for refinancing your home after a divorce is stipulated in your divorce decree. In Colorado—as well as in many other places—the usual practice is for the divorce decree to specify a deadline. This is often set between 60 to 90 days after the divorce has been finalized. However, it’s important to consult your specific decree for the exact timeline as it can vary greatly depending on individual circumstances and agreements reached during your divorce negotiations.

While You’re Here > 3 Reasons You Cannot Wait to Refinance After a Divorce

Why the Timeline Matters

The timeline for refinancing is crucial for several reasons. First, it affects your financial liability. As long as both names remain on the mortgage, both parties are legally responsible for the debt. This situation can affect your credit score and your ability to obtain new loans. Second, adhering to the timeline is important for enforcing the terms of the divorce decree, which is a legally binding agreement. Failing to comply can result in legal repercussions, including being held in contempt of court.

Steps to Take for Timely Refinancing

  1. Review Your Divorce Decree: Start by reviewing the terms set out in your divorce decree. Understanding your obligations and the deadlines provided is the first step to ensuring you meet all legal requirements.
  2. Get Your Finances in Order: Ensure that your financial records are organized and that you have a good understanding of your credit situation. Our team can help assess your financial health and prepare you for the refinancing process, making sure you meet lender requirements.
  3. Choose the Right Refinancing Option: There are several refinancing options available, depending on your financial goals and situation. Whether you’re looking to lower your monthly payments, reduce your interest rate, or switch from an adjustable rate to a fixed-rate mortgage, we can help you choose the option that best suits your needs.
  4. Apply for Refinancing: We simplify the refinancing process by handling most of the paperwork for you. All you need to do is review the final applications to ensure everything is in order. Our team is dedicated to making this process as smooth and straightforward as possible.

Support from Huettner Capital

Understanding when and how to refinance after a divorce can feel overwhelming. Our professionals at Huettner Capital are here to provide the support and guidance you need during this transitional time. With our expertise in both residential and commercial loans, we offer customized solutions that traditional banks might not provide.

Facing uncertainties about refinancing your home after a divorce? Reach out to our team. We’re here to ensure you navigate this process with confidence, helping you secure your financial independence and move forward.

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