Tami Wollensak, Divorce Mortgage Specialist

Tami Wollensak, Divorce Mortgage Specialist 🏠 For women navigating divorce. Strategic decisions about the marital home before you sign. 30+ yrs lending, 1000+ women helped. All 50 states.

Not legal or tax advice. Free assessment, link in bio.

10/11/2026

Your divorce decree does NOT take your name off the mortgage. 🏠

I see this one every week, and it catches smart, careful people off guard.

Here’s how it usually goes. The decree says your spouse keeps the house and pays the mortgage. You sign a quitclaim deed. Everyone agrees. You walk away thinking you’re done with it.

But the lender was never part of your divorce. The bank didn’t sign the decree, and it didn’t agree to anything. As far as the lender is concerned, you borrowed that money, and you’re still on the hook for it.

A quitclaim deed changes who owns the house. It does not change who owes the loan. Those are two separate things, and mixing them up is one of the most expensive mistakes I see.

So what can happen when your name stays on a loan for a house you no longer live in?

If your ex pays late or stops paying, it shows up on YOUR credit report. The lender can come after you. And when you go to buy your own place, that old mortgage can complicate your approval.

The good news is this is very fixable if you plan for it early. There are only a few ways to truly get your name off:

1. Your ex refinances into a new loan in their name alone
2. The loan is assumed and the lender formally releases you in writing
3. The house is sold and the loan is paid off

And one more tip. Don’t leave this vague in your settlement. Ask your attorney to put a clear refinance deadline in the agreement, and spell out what happens if your ex can’t qualify. If you wait until after the divorce is final, you’ve lost most of your leverage.

If you’re in the middle of a divorce and wondering what it will take to keep your home, or to get safely out of one, send me a message. I help people figure this out before the paperwork is signed. 💛

This is general information, not legal advice. Please talk with your attorney about your situation.

Tami Wollensak, NMLS #1963450 | New American Funding, NMLS #6606

Which virtue matters most? 💛For me, right now, it’s hope. After 6 years of working only with people going through divorc...
10/11/2026

Which virtue matters most? 💛

For me, right now, it’s hope. After 6 years of working only with people going through divorce, I’ve seen it be the thing that gets someone to make the next phone call and picture a life on the other side.

But I don’t think there’s one right answer. Some seasons call for courage. Some call for patience. Some just need honesty or forgiveness.

So which one would you pick for the season you’re in? One word is enough. 👇

Nobody tells you how long the in-between lasts. The part where your old life is gone and the new one hasn’t taken shape ...
10/10/2026

Nobody tells you how long the in-between lasts. The part where your old life is gone and the new one hasn’t taken shape yet.

That’s not you being stuck. That’s the becoming.

Send this to a friend who’s in her cocoon season right now. She needs to hear it today.

10/09/2026

Nobody tells you this part. After the paperwork, the tears, and the hard decisions, there’s a moment when you find yourself dancing in the middle of the street and realize you like who you’re becoming. 💃

Falling in love with yourself again might be the best plot twist of all.

Send this to the friend who needs a reminder that better days are coming. 💛

Some things aren’t meant for you, no matter how hard you work to make them fit.You kept the peace. You kept the calendar...
10/07/2026

Some things aren’t meant for you, no matter how hard you work to make them fit.

You kept the peace. You kept the calendar. You kept everyone fed, scheduled, and comfortable. And somewhere along the way, you stopped asking what you needed.

If you’ve been carrying the emotional load, the mental load, AND the household for years, I see you. Walking away from what drains you isn’t giving up. It’s making room for the life that actually fits.

You’re allowed to want more than survival.

Ready to stop carrying what was never yours? Drop the word START below and I’ll send you Conversation One. 🤍

Send this to the woman who needs permission today.

10/05/2026

Before you make your move, get clear on:

🏡 Whether you can keep the house (or should)
💰 What you can actually afford on one income
📄 How support income counts toward qualifying
🧭 What your financial life looks like on the other side

Clarity is what turns “I can’t stay” into “I know exactly how I’m going to go.”

You deserve a life you don’t need to escape from. And you deserve a plan that gets you there on solid ground.

If you’re thinking about it, start with the numbers. That’s where I come in. Link in bio.

It’s 2 a.m. You’re asking ChatGPT whether you can keep the house, keep the mortgage rate, or afford a buyout.Those are g...
10/01/2026

It’s 2 a.m. You’re asking ChatGPT whether you can keep the house, keep the mortgage rate, or afford a buyout.

Those are good questions. They’re also the beginning of the conversation, not the whole plan.

The answer depends on your loan, your income, the proposed settlement, and what life will cost after the divorce. You deserve to understand those pieces before you agree to keep the house.

If this is where you are, start with Conversation One through the link in my bio. We’ll begin making sense of the house decision together.

4.5 star review received on Experience.com for Tami Wollensak by Charles K - It was a challenge selling 2 houses and t...
09/30/2026

4.5 star review received on Experience.com for Tami Wollensak by Charles K - It was a challenge selling 2 houses and then refinancing all within a couple of months but Tami was great handling all the issues, clearing up all the financial problems with very little involvement on my part. Tami and her team did it all!!

Read more: https://experience.com/reviews/tami-wollensak-341494/57c60996-aabe-4ba9-968a-1a352edcd8e0?V=1790783308&utm_source=facebook&utm_medium=autopost&utm_content=13685690

It’s easy to see divorce as a list of losses. The house, the plans, the future you pictured.But every time you release s...
09/30/2026

It’s easy to see divorce as a list of losses. The house, the plans, the future you pictured.

But every time you release something that isn’t yours to carry anymore, you open up space. For peace. For clarity. For a life that actually feels like yours.

What are you making room for? 🍂

Address

Elmhurst, IL
60126

Telephone

+17083592070

Website

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