{"type":"rich","version":"1.0","provider_name":"Transistor","provider_url":"https://transistor.fm","author_name":"Divorce Dialogues","title":"The Mortgage Mistake That Traps Divorcing Spouses | Jody Bruns","html":"","width":"100%","height":180,"duration":1730,"description":"Most people going through divorce ask, \"How do I keep the house?\" But what if that's the wrong question entirely?\nKatherine sits down with Jody Bruns, founder and president of the Divorce Lending Association and author of A House Divided: A Guide to Mortgage Financing and Divorce, to unpack the emotional and financial complexities of housing decisions during divorce.\n\nJody explains why treating the house as a purely financial asset misses the point, and why feasibility today doesn't guarantee sustainability tomorrow. She and Katherine dig into the hidden costs people overlook, from insurance and title risk to the tax trade-offs of holding onto a low mortgage rate, and why \"can I qualify\" is a very different question than \"can I actually afford my life.\"\n\nGet insights about separating the emotional pull of the family home from the numbers, and why real stability might mean letting go.\n\nIn this conversation, you'll learn:\nWhy the mortgage math is only part of the equation, and what \"feasible, affordable, and sustainable\" really means;\nThe hidden risks in insurance and title that most divorcing homeowners never see coming;\nWhy refinancing hesitancy over a low interest rate can cost you more than it saves; and\nHow reframing \"how do I keep the house\" as \"how do I create a stable future\" changes the decision entirely\nHighlights:\n(00:00) Meet Jody Bruns\n(00:58) Why the house is so hard to let go of\n(03:16) Why the house sits at the intersection of finances and identity\n(05:01) The Colorado mom and the baseball tournament story\n(07:40) Why \"treat it like a business deal\" is bad advice\n(09:13) Home, security, and identity\n(10:31) The onboarding process and building a Plan B\n(13:06) The stories people tell themselves about affording the house\n(20:17) Legal vs. mortgage pitfalls, and the \"netting effect\"\n(23:35) Insurance and title risks after divorce\n(25:53) What helps people make thoughtful housing decisions\n(26:44) The better question to ask instead of \"how do I keep the...","thumbnail_url":"https://img.transistorcdn.com/2nw2w9z7N1c6KkSwiQpiK0ES3HLZcKXStZtcdXwiYB0/rs:fill:0:0:1/w:400/h:400/q:60/mb:500000/aHR0cHM6Ly9pbWct/dXBsb2FkLXByb2R1/Y3Rpb24udHJhbnNp/c3Rvci5mbS8zOTJj/MmUxMzUwODUwNDM5/NjI2ZTdlMTM5OTFl/NGUwNy5qcGc.webp","thumbnail_width":300,"thumbnail_height":300}