Divorce Is Hard Enough.
Losing Your Home Doesn't Have to Happen Too.
When a marriage ends, a mortgage that required two incomes often becomes impossible to manage on one. HOAPnet's free Homeowner Assistance Program (HOAP) helps divorcing homeowners navigate mortgage default, stop foreclosure, and find a solution — whether you want to keep the home or sell it — at zero out-of-pocket cost.
Your spouse moved out and stopped contributing to the mortgage, leaving you unable to make payments on a single income.
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Both Can't Agree on the House
You and your spouse agree the house must go, but neither wants to deal with the process — or you can't agree on how to proceed.
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Divorce Decree Ignored
A court ordered your spouse to pay the mortgage, but they stopped, and now your credit is being damaged and foreclosure is starting.
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Home is Underwater During Divorce
The home is worth less than the mortgage balance and neither party can afford to simply walk away without a structured solution.
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Amicable Split, Complex Finances
Both parties agree to sell but the mortgage situation, liens, or title issues are complicated and need professional guidance.
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Children's Stability at Stake
You want to keep the home for your children's stability but cannot maintain the payments without your spouse's income.
Your Options — All at No Cost Through HOAP
Loan Modification — If one spouse is keeping the home and can qualify, we negotiate to lower the payment to a single-income-affordable amount.
Quick Cash Sale — Sell in 7–21 days with no repairs, listing, or agent commissions. Proceeds split per divorce agreement. Fastest way to close this chapter.
Traditional Sale — List the home at full market value to maximize equity for both parties. HOAPnet coordinates with a licensed agent and manages the process.
Short Sale — If the home is underwater, sell with lender approval and have the remaining balance forgiven — ends the joint obligation for both parties.
Buyout Coordination — If one spouse wants to keep the home, HOAPnet can coordinate the buyout process and connect you with refinancing resources.
Forbearance — Buy time while divorce proceedings finalize — pause payments temporarily so you can make the right long-term decision without foreclosure pressure.
How HOAPnet Helps — 4 Simple Steps
1
Free Consultation
Call (516) 336-9293 or fill out the form below. Tell us your situation — everything is confidential.
2
Meet Your HOAP Specialist
A licensed real estate professional is assigned to your case at no cost and reviews all your options.
3
Your Custom Action Plan
Your Specialist builds a plan tailored to your goals — whether you want to keep or sell your home.
4
We Execute Together
Your Specialist handles lender communications, paperwork, and coordination until your goal is achieved.
Get Your Free Consultation Now
Tell us about your situation and a HOAP Specialist will contact you the same day. No cost. No obligation. Completely confidential.
The mortgage remains legally binding on all listed borrowers regardless of the divorce decree. If payments stop, both parties' credit is damaged. Options include one spouse keeping the home via refinance, selling the home, or a short sale. HOAPnet helps navigate all options for free.
Yes. If one spouse can qualify on their income alone, a modification can lower the payment to an affordable level. HOAPnet evaluates all options and recommends the best path for your situation.
Act immediately — your credit is at risk even if you didn't stop payments. HOAPnet can help you understand your rights, negotiate with the lender, and protect your credit while proceedings continue.
Yes. HOAPnet facilitates quick cash sales in 7–21 days or traditional sales, with net proceeds split per your divorce agreement. A pre-foreclosure sale preserves credit and maximizes the equity both parties receive.
No. HOAPnet's Homeowner Assistance Program (HOAP) is completely free to qualified homeowners. No fees, no commissions, no hidden costs.
One less thing to fight about — let us handle the house.
HOAPnet's HOAP Specialists work with divorcing homeowners every day. We handle lender negotiations, paperwork, and coordination so you can focus on your future — at zero cost.