The virtual workshop
The workshop, without the drive.
Our workshop is the free monthly Zoom, Divorce and the House: a real estate professional, a mortgage professional and a title professional, second Saturday of every month, 9:00 to 10:00 AM Mountain, answering the questions you send ahead. Everything else on this page is the reading that goes with it, written by the real estate group from public Colorado sources, so you can start tonight. For law, money and counseling we refer you to professionals we know.
Next free Zoom: second Saturday, 9:00 AM Mountain · in a few days · Divorce and the House: sell it, keep it or buy out?
Call or text 303-955-4220. A live person answers. Not a robot, not a phone tree.
Title, and the emotional side
Deeds and the decree; the emotional side and when to get real help.
The main event, online
Divorce and the House: Sell It, Keep It or Buy Out Your Spouse?
A free one-hour Zoom, once a month, taught by the group that sells divorce homes every month in Colorado: what the house is worth, how the equity splits, what a buyout costs, and when selling before the decree saves you money. We teach; we do not pitch.
Pick the talk that matches where you are. Each one is a set of short pages: the answer first, then the numbers, then a Q&A of what people actually ask in the room. Nothing requires an account or an email. When a question needs a professional, the page says which one and how to find one in Colorado.
Segment 1: What Colorado law actually does
The process, step by step
No fault, 91 days, one petition, a 21-day response, disclosures in 42 days, the decree.
ReadJust served? This week
The automatic injunction, who stays, who pays, what to gather, what not to do.
ReadWho gets the house
Equitable, not equal. Marital versus separate. The valuation date.
ReadMediation, collaborative, court or DIY
The four paths, what each costs, and which keeps the house out of a fight.
ReadWhat a divorce costs
$260 to file, fee waivers, mediation at $75 an hour, attorney ranges, the house costs.
ReadYour county court
Where to file, the address, the self-help center, for every county we cover.
ReadSegment 2: The money after one household becomes two
Maintenance has a formula
40 percent of combined income minus the lower income, times 80 or 75 percent. The duration table.
ReadRetirement accounts and pensions
QDROs, IRAs, Colorado PERA’s 90-day rule, Social Security after 10 years, and why a 401(k) dollar is not an equity dollar.
ReadThe checklist
Everything the sworn financial statement asks for, and the money moves to make now.
ReadGray divorce
After 50: the house that is most of the estate, health insurance before Medicare, downsizing.
ReadSegment 3: The house (The Kenna Group)
The four options
Sell and split, buy out, delay the sale, assume the loan. Denver-metro numbers on each.
ReadKeep the house
The buyout math, refinance versus HELOC, what income counts, the deferred sale for the kids.
ReadSell the house
The stipulation, proceeds in escrow, staging a half-occupied home, the tells buyers exploit.
ReadWhat is it worth
Appraisal, CMA, Zestimate. Which number the court uses and how to keep both sides on it.
ReadTaxes when you sell
$250,000 versus $500,000, the two divorce rules, and Colorado’s 4.4 percent.
ReadDownsizing
Smaller home, 55+ community, renting, house-sharing, HECM for Purchase.
ReadSegment 4: The loan (Mike Oswald at Rate)
The mortgage after divorce
A deed is not a release. Refinance, assumption, sale. Deadlines. Credit.
ReadBuying again on one income
What lenders count, the old loan on your credit, CHFA and metroDPA help, where to search.
ReadMike Oswald at Rate
The lender we send divorce refinances, buyouts and assumptions to. You may use any lender.
Meet MikeSegments 5 and 6: Title, and the emotional side
Title. The deed moves ownership; the note stays until it is refinanced, paid off or released. A title company needs a recorded deed (or a certified decree) and a paid-off or refinanced loan before it will insure the staying spouse as sole owner. The Colorado documentary fee is one cent per $100 of consideration, and a spouse-to-spouse transfer in a divorce with no consideration owes none. Name change on a later deed: “Mary Smith, formerly Mary Jones.” The mortgage after divorce.
The emotional side. This segment covers what the research shows: divorce brings relief and reinvention alongside money worry and loneliness, and the two land differently on men and women. The practical version is simple. Make no permanent decision in the first bad week. Tell one person the whole truth. Get real help if you are not sleeping, not eating, or not safe. Where to find it in Colorado.
What the live workshop adds
Divorce and the House: Sell It, Keep It or Buy Out Your Spouse?
Second Saturday of every month, 9:00 to 10:00 AM Mountain
Next: ·
A real estate professional, a mortgage professional and a title professional, focused on what to do with the house: what it is worth, the equity, the buyout, selling before or after the decree, and your questions, sent ahead and answered live. Every session is recorded for the workshop library. Free, no pitch.
Second Saturday, Littleton
Second Saturday of the month, 9 to 11 AM
The in-person Second Saturday Divorce Workshop at St. Philip Lutheran Church in Littleton, where Damon L. Chavez holds the real estate seat. Free. For attorneys, financial analysts, mediators and counselors, we refer you to professionals we know.
Questions people ask about the workshop
Is it really free?
Yes. No cost, no upsell, no obligation to hire anyone. The professionals volunteer their time. Kenna pays for the room and the coffee.
Do I have to be sure I am getting divorced?
No. Many people attend, or read this site, while they are still deciding. The point is to decide with information.
Will my spouse know I attended or read this?
Not from us. We do not contact spouses, share attendee lists with presenters, or follow up unless you ask. Use a private browser window if you share a device. Browsing safely.
Is this legal or financial advice?
No. It is education from professionals about how the process, the money and the house generally work in Colorado. Your case needs your own attorney, CPA and lender.
Can I bring someone?
Yes. A friend, a family member, or your attorney.
Is it only for women?
No. It is for anyone considering, starting or in the middle of a divorce, and for family members trying to help. Most attendees are women, and the site is written with that in mind.
What if I cannot make a Saturday?
Read the talks here, or book a free 20-minute discovery call about the house. Book a call.
Where to go next
- Register for the monthly Zoom: Divorce and the House
- The workshop library (recordings)
- Book a confidential Divorce Home Strategy Session
- The in-person Second Saturday workshop
- Help lines and self-help centers
- Join the professional panel
- The house: keep, sell or buy out
- The Colorado process
- Gray divorce
- All questions, by stage
- Free Colorado divorce workshops on kennarealestate.com
- Call or text 303-955-4220: a live person answers
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.
Free and confidential
Ask the workshop a question
Anything you would have written on an anonymous card in the room. If it belongs with a lawyer, a planner or a lender, we will say so and tell you how to find one.
303-955-4220A live person answers. Not a robot, not a phone tree. Prefer email? homes@kennarealestate.com
Divorce Decisions™: Colorado divorce workshops and education. Real estate services provided by The Kenna Group at Keller Williams DTC. Not legal, tax, lending or financial advice.
Ready to sell or buy? The Kenna 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.