Divorce

Will I be able to stay in my house?

If you want to stay in the house, you will need to get your spouse to agree to it, and you will need to buyout your spouse’s interest in the house. Unless a disclaimer deed has been signed, your spouse is entitled to half of the net equity in the home. To figure that out, you need to how much your home is worth and what is owed on the mortgage (in some cases, a home equity line of credit or a lien on the home may impact the net equity). For example, if your home is worth $400,000, and there’s $200,000 left on the mortgage, the net equity is $200,000, and you will need to pay your spouse $100,000 to buy out their interest. In most cases, you will need to show you are pre-qualified for a refinance. Most lenders can work with you to include the buyout as part of the refinance.  

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How soon can I get divorced?

The quickest timeline for a divorce is a little more than two months, and it requires both parties to be in agreement. That is because of a 60-day waiting period that is put in place under Arizona law. On this timeline, one spouse files the Petition for Dissolution, the paperwork that starts the divorce. Then they serve the other spouse (when things are amicable, this is done by giving your spouse the paperwork, and having them sign a notarized document that they received it, and this is then filed with the Court. That service date is important because it starts the sixty-day waiting period. At the end of the waiting period, the two of you can file your Consent Decree (and Parenting Plan, if you have children, and a Property Settlement Agreement, if appropriate). These are the documents that divorce you, contain your agreement, and divide your property and decide what happens with your child. Once the papers are signed by the judge, you are divorced. 

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