As it is, a divorce is pretty hard by itself. Losing a loved one is mortifying, and on top of that if you knew that you may end up losing your house too―it just couldn’t get any worse than that!

It’s easy for people to say that you should start over. But in reality, it is very difficult. Lenders tend to give mortgage loans only to those people who have shown to have solid credit and a steady income. If before the divorce the household consisted of two bread-earners, then it is obvious that the income would be halved now. And if one of you has to pay alimony to the other, then you will end up with even less after you have written out all the checks.

So, whether you are about to finalize a divorce or are dealing with its aftermath, here are some things you should know beforehand that will help you land a mortgage:

Get you ex’s name off the papers

It depends on what situation you both are in, so make sure you involve your divorce attorneys in your planning sessions. But supposing you are looking to buy your own home, and you ex is still living in the old house that you both co-owned, then having their name struck off the papers will help you decrease your debt considerably.

If your ex says that he or she cannot refinance on their own, and if you are willing to co-own for a longer time, then by all means go ahead and do so. But do understand that this may hurt your chances of landing a second mortgage deal. Also, if you are willing to go down that route then you must work out details on advance like how the profits will be split when the house is sold, and who gets the bigger share of the money.

Your home is worth fighting for.

If you are a high wage earner or are worth some serious salt you are going to wish you signed a pre-nuptial agreement. If you did not sign this paperwork with your spouse, then you just bought the most expensive item of your life, a divorce!

Do not try to buy a new home during the divorce

Some lenders may be a little hard to convince that your alimony and child support will not affect your credit; even if you are considerably well off. Lenders need to be extremely sure of who they are lending to and typically, alimony is considered a debt. It almost always raises a red flag and one you could easily do without if you just are a little patient.

Try out these living arrangements

The world is changing and people are not averse to trying out new things anymore. Same goes with a divorced couples’ living arrangements. Divorce attorneys across the nation say that last recession many couples decided to put off buying new homes and decided to remain still even after their divorce. Come to think of it, it’s really not that bad of an idea. Or you could try nesting, which essentially means that one of you rents an apartment near the house and lives there while the divorce is being finalized and the details hammered out.