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    It is easy to make incorrect assumptions about real estate and financing without understanding how a divorce will
    affect you.
    Property settlement mistakes can be prevented BEFORE and DURING divorce, but NOT AFTER!

    I am RCS-D (Real Estate Collaborative Specialist - Divorce) certified and can help you with crucial procedures in
    dealing with a house valuation in a divorce - Do not sign away your rights; call me first!  Appraisal minus debt does
    not necessarily equal the value of the house! I work to help you come to an informed decision about your real estate
    options.

    Click on the videos below to learn more:
    First Thing Divorcing Homeowners Should Do Re: House                        Divorce This Debt: Do You Owe on a House You Don't Own?















    Divorce is often a painful experience, and finances are often not a priority.  However, not obtaining real estate and
    loan counseling before the divorce is finalized, can lead to uneven division of assets and more limited post divorce
    options.  While it is an honor to be considered to assist you at any point in your life, I feel obligated to let potential
    clients know that it is most beneficial for them to seek advice BEFORE or early in the divorce process.  Many items
    should be discussed as early as possible, such as:

    - Possibility of immediately qualifying for 1st time home buyer down payment assistance as a displaced homemaker
    - Possibility for refinancing to "buy out" the other spouses share
    - Liability if spouse is not removed from loans or equity lines
    - Appraised value minus purchase price may not equal true home equity
    - Possible effects on credit [Removing a spouse from title does not necessarily remove them from the financial liability
    from the loan(s).]
    - Timelines and criteria for using alimony to qualify for a post-divorce home purchase.

    Obtaining free real estate and loan counseling from a certified RCS-D REALTOR, such as myself, that is familiar with
    pre and post divorce home ownership scenarios as early as possible, can help you be better prepared in your post
    divorce life.  In addition, I may be able to refer you to other necessary professionals, such as: attorneys, loan officers,
    financial planners, tax consultants, home inspectors, title services, family counselors, etc.  Please feel free to call, text,
    or email me to set up a free, no obligation appointment to discuss your specific needs.  


    Below are the links to the free IRS Publications that may be helpful for you:

    IRS Publication 504 - Divorced or Separated Individuals
    Click here now for IRS Publication 504

    IRS Publication 523 - Selling Your Home
    Click here now for IRS Publication 523

    IRS Publication 544 - Sales and Other Dispositions of Assets
    Click here now for IRS Publication 544

    IRS Publication 555 - Community Property
    Click here now for IRS Publication 555
    Community Property States: AZ; CA; ID; LA; NV; NM; TX; WA; WI







    Please note that these links are provided for informational purposes.  
    You are advised to consult a tax professional for answers to your specific questions.
DIVORCE & REAL ESTATE
Serving your unique real estate needs through your changing life!
Brenda Avilla-Kintz
REALTOR, GRI, SRES, RCS-D, CDPE, SFR
Brenda Avilla-Kintz
REALTOR, GRI, SRES, RCS-D, CDPE, SFR
Not in the local area?  
Talk for free online with Skype.
Click logo to find out more.
Brenda Avilla-Kintz
REALTOR,
GRI, SRES, RCS-D, CDPE, SFR
Altera Real Estate
1124 Meridian  Avenue
San Jose, CA 95125

Phone:
(408) 828-2020

Fax:      
(408) 754-3910

Toll Free:
(866) 978-2800 ext.232

Email:
Brenda@CaRealEstateOnline.com