Separated and Buying Home

Are you getting separated and you want to move on with your life? Your spouse is up north. You're in Florida and you want to buy a home.

Well, you're not buying that home unless they sign on the mortgage. No they're not on the note. They're not on
the title. They're not on any debt. But they have to sign for
homestead rights.

Learn more about what you can do to buy a home before the divorce is final.

Check out our latest update about buying a house if you are separated but not divorced.

Transcript

today I want
to talk about being separated you moved
on with your life your spouse is up
north you're in Florida you want to buy
a home well you're not buying that home
unless they sign on the mortgage no
they're not on the note they're not on
the title they're not on any debt
instrument but they have to for
homestead rights you cannot buy a home
as a primary residence without their
signature so please note if you're gonna
buy a home even though you've moved on
separate lives if you're still married
they need to sign keep that in mind when
purchasing a home now if you want to buy
an investment property where you have to
put like 20% down you don't need their
signature to sign on the other mortgage
because it's an investment property not
a primary remember on homestead rights
is for primary residence only next week
I'm going to talk about co-signing
that's another one that's been coming up
so wishing you a great day thank you
very much

Check out our other helpful videos to learn more about credit and residential mortgages.

Conforming loan amounts increase to $832,750

By Didier Malagies • November 28, 2025

New conforming loan limits increase to $832,750, which is great considering we have had price decreases on homes this year. So if you put down 3% the purchase price would be $858,051, and 5% down would be $876,578. Why would that matter? Well, you go above, and you are in Jumbo territory, where you have to put 20% down vs the 3% or 5% down. So, really great news that there is an increase, and when rates do come down, there will be all the homeowners who have the low interest rates, probably make a move to either downsize or upsize on their home, which will create activity and an increase in home prices. So overall, exciting to see the loan amounts increase to help offset the higher home prices tune in and learn https://www.ddamortgage.com/blog didier malagies nmls#212566 dda mortgage nmls#324329