Keep Your Home After Divorce Without Paying Cash

August 4, 2026

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David Ghazaryan

Owner / Broker / Banker

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TL;DR

A VA loan buyout is a specialized refinance process for veterans going through a divorce or separation. It enables one veteran to purchase their ex-spouse's share of the home's equity, allowing them to retain the property.

The primary goal is to create a new VA loan solely in the retaining veteran's name, formally removing the departing spouse from the mortgage and title.
This action is legally mandated by a court order, which specifies the exact equity payment required.
A key feature is that it allows the veteran to potentially refinance up to 100% of the home's value, unlike a standard cash-out refinance.
The process also includes provisions for the departing veteran to have their VA entitlement restored for future use.

Read the full blog article here: https://www.iqratemortgages.com/blog/va-loan-buyout-refinancing-a-texas-home-in-a-divorce

Video Transcript:

A divorce can mean selling your home, but not always. I, David Ghazaryan, structure these unique VA home loan buyouts. Most loans give ninety percent. This one gives everything back. This means you can pay your ex without using cash. The court order protects you and makes the loan possible. My complete analysis and links are posted in the description.

Read Blog Here: https://www.iqratemortgages.com/blog/va-loan-buyout-refinancing-a-texas-home-in-a-divorce

David Ghazaryan

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