Colorado Divorce Decisions™ by The Kenna Real Estate Group
Colorado divorce real estate help, and free divorce workshops
When the house has to be sold in a divorce, The Kenna Real Estate Group is the group that sells it: one written market analysis to both spouses at the same time, listing terms written for the stipulation, and a Certified Real Estate Divorce Specialist on every file. The rest of this site, and the free monthly workshop, explain what happens to the house, the mortgage and your equity so you can decide with real numbers: one real estate group communicating the same facts to both spouses, a designated Certified Real Estate Divorce Specialist behind every file, and a free monthly workshop with an attorney, a lender and a counselor.
Call or text 303-955-4220. A live person answers. Not a robot, not a phone tree.
Plain-language education from a Colorado real estate group. Not legal, tax, lending or financial advice.
Keep it, sell it, or buy the other one out
What each option really costs in Denver-metro numbers, and the one deadline that catches people.
02 · Property and debtEquitable is not equal
How Colorado splits what you own and owe, and why the date matters.
03 · Income and supportMaintenance has a formula
What the Colorado guideline says, how long it lasts, and whether a lender will count it.
04 · The process91 days is the minimum
Filing, the automatic injunction, disclosures, mediation, decree. Step by step.
05 · After 50Gray divorce is different
Retirement accounts, Social Security, health insurance, and a house that is most of what you own.
Choose your situation
Tap the one that sounds like you. Every page answers the question first, in Colorado numbers, and ends with a person you can call.
Should we keep or sell the house?
The three numbers, the four options, and the honest test, with Denver-metro math.
Decide the houseI am considering divorce
Nothing filed yet. What it would change, what to gather quietly, and what the house is worth today.
Start hereI was just served
21 days to respond, and the automatic injunction already covers the house and the money.
This weekI want to keep the house
The buyout, the refinance, the deadline, and what a lender counts on one income.
The buyout mathWe need to sell
One neutral group, one written market analysis to both spouses at the same time, terms written for the stipulation or the order, extreme marketing.
Sell it once, cleanlyMy spouse will not cooperate
Court-ordered listings, the five refusals, and what a judge can sign for.
Court-ordered salesI need to buy after divorce
Qualifying alone, the settlement money as the down payment, CHFA and metroDPA, the next place.
Buying againDivorce after 50
The paid-off house, the pension, Social Security, insurance, and where to live next.
Gray divorceWhy does the house decide so much of the rest?
In most Colorado divorces the house is the biggest asset, the biggest debt and the biggest monthly bill, all at once. Decide it first and the rest of the math gets easier. Decide it last and you can end up keeping a house you cannot refinance, or selling one you did not have to.
A home is an asset, a debt, a monthly cost and an emotional anchor. “Can I keep the house?” sounds like one question. In practice it is title, mortgage liability, equity, valuation, a possible buyout, refinance qualification, taxes, timing, and what each person can afford next. The workshop groups all of that into five connected decision areas, and so does this site.
The marital home
Can either person afford to keep it, what would a buyout take, and when does selling need to be on the table?
Start here02Property and debt
What has to be identified, documented and valued before anything can be divided.
How Colorado divides it03Income, support and cash flow
What each household has to cover after housing, support, insurance and taxes.
The maintenance formula04Parenting and routines
Two households, one schedule, and where each person needs to live for it to work.
Keeping the house for the kids05After the decree
Credit, reserves, retirement and the ability to borrow again. Decisions made now set this up.
Buying again06Divorce after 50
Long marriages, a paid-down house, pensions and Social Security. A different set of questions.
Gray divorce in ColoradoWhat do people ask first?
These are the questions that come up in the room every month, phrased the way people actually type them. Tap one for the short answer, then follow the link for the full page.
Can my spouse sell the house without me?
No. Once a Colorado divorce case is filed and served, an automatic temporary injunction stops either spouse from selling, transferring or borrowing against marital property outside ordinary living expenses without the other’s written consent or a court order. What the injunction covers.
Who gets the house in a Colorado divorce?
Nobody automatically. Colorado divides marital property equitably, which means fairly, not necessarily 50/50. The house usually goes one of four ways: sold and split, one spouse buys the other out, a delayed sale, or both keep it for a while. How judges and couples decide.
Who pays the mortgage while the divorce is pending?
Whoever the temporary orders say, and until then usually whoever has been paying. The lender does not care what the decree says: a missed payment lands on both credit reports. Protecting your credit during the case.
Can I keep the house and the low mortgage rate?
Sometimes. A buyout usually means a cash-out refinance at today’s rate, but a HELOC for the buyout amount or an assumption of the existing loan can keep the old rate. Whether you qualify on one income is the real question. The buyout math.
Should we sell before or after the divorce is final?
Often before, for tax reasons: a married couple filing jointly can exclude up to $500,000 of gain on a primary home, a single filer $250,000. But timing also depends on the market, the case, and who is living there. The $250k / $500k rule.
How long does a divorce take in Colorado?
At least 91 days from filing and service. Uncontested cases often finish in three to six months. Contested cases with a house, retirement accounts and kids commonly run a year or more. The process, step by step.
The workshop, without the drive
Every talk from the live workshop, online, free, any time.
The live workshop is the free Second Saturday Divorce Workshop in Littleton: a divorce lending professional and Damon L. Chavez, Certified Real Estate Divorce Specialist, every month, with family-law attorneys, Certified Divorce Financial Analysts and a mediator joining on the odd months (January, March, May, July, September and November), in the room or on Zoom. The presenter page lists the panel. It is free and there is no sales pitch.
Most people cannot make a Saturday, and many do not want to be seen walking in. So the same six talks live here, rebuilt as short answers you can read tonight. Come to the room when you are ready. Or never. Both are fine.
Is this site for me?
“I am thinking about it.”
Nothing filed. You want to know what divorce would actually change before you say a word. Start with the house, then what it costs.
What to gather quietly“I was just served.”
You have 21 days to respond in Colorado, and the automatic injunction already applies to both of you. Here is what to do this week.
First steps“We are in the middle of it.”
Disclosures are due, mediation is coming, and the house has to be decided. This is where the numbers matter most.
The house, decided“It is final. Now what?”
Getting a name off the mortgage, rebuilding credit, buying again on one income, and the deadlines in the decree.
After the decreeWho actually handles your sale
One group, one phone number, and a specialist behind every file. Here is exactly who does what, so nobody has to guess.
What you get, on every divorce file
Neutral real estate coordination
Both spouses, same numbers, same moment, both brokerages disclosed in writing.
Attorney collaboration
Both attorneys get the valuation, the listing draft and the net sheet at the same time, and we prefer to talk to them directly.
Professional training
Certified Real Estate Divorce Specialist, Certified Residential Appraiser and collaborative-divorce training on the designated specialist; Harvard Negotiation Mastery.
Document requests
Written valuations, net sheets, showing logs and offer logs, produced for counsel on request and ready for a stipulation or an order.
Fair market valuations
The Smart Pricing Report: three price points, comparables with concessions netted out, a net sheet at each price. An independent appraisal when the court wants one.
Court-ordered sales
The order becomes the listing terms, every contact goes in the log, and the court can authorize a signature if one spouse refuses.
Presentations and the workshop
A free monthly workshop in Littleton and online with a divorce lending professional and our Certified Real Estate Divorce Specialist every month, plus family-law attorneys, Certified Divorce Financial Analysts and a mediator on the odd months; talks for attorneys and mediators on request.
Extreme marketing
Flyover video, professional photography, flyers, reflective signs with call capture, Zillow Premier, KW and RE/MAX reach, 1,000+ buyer inquiries a month.
Who is behind this?
Divorce Decisions is published by The Kenna Real Estate Group at Keller Williams DTC, a Colorado real estate group in Centennial that has worked with divorcing homeowners across the Front Range since 2002. We are the real estate professional at the workshop, and we built this site because people were making the biggest financial decision of the divorce, the house, without anyone explaining the math. We are not attorneys, accountants or lenders. When a question belongs with one of them, we say so and point you to the right person.
Where to go next
- The house: keep, sell or buy out
- The Colorado divorce process
- Gray divorce in Colorado
- The virtual workshop
- Reserve a workshop seat
- Why a divorce realtor
- Divorce realtors in Denver on kennarealestate.com
- Search every home for sale in Colorado
- Meet Mike Oswald at Rate
- Help lines and self-help centers
- Call or text 303-955-4220: a live person answers
- Book a free discovery call
Call your Colorado divorce agent
Questions about the house, the deed or the decree?
Call us today to talk through your situation and how we can help. A live person answers. Not a robot, not a phone tree.
Ask us about the house
Tell us where you are in the process and what you are trying to figure out. We will answer honestly, including when the honest answer is to wait. Free, confidential, and nobody sells you anything.
Call or text 303-955-4220
A live person answers. Not a robot, not a phone tree. Prefer email? homes@kennarealestate.com
Ready to sell or buy? Kenna Real Estate Group handles the house.
- Real estate and divorce in Colorado: divorce realtors in every Front Range city and county
- Divorce and real estate articles on kennarealestate.com
Call or text 303-955-4220. A live person answers.
