{"id":2238,"date":"2024-12-29T16:17:11","date_gmt":"2024-12-29T16:17:11","guid":{"rendered":"https:\/\/orionfd.nl\/?page_id=2238"},"modified":"2025-01-03T15:48:30","modified_gmt":"2025-01-03T15:48:30","slug":"scheiding","status":"publish","type":"page","link":"https:\/\/orionfd.nl\/en\/scheiding\/","title":{"rendered":"Going Through Divorce"},"content":{"rendered":"<div data-elementor-type=\"wp-page\" data-elementor-id=\"2238\" class=\"elementor elementor-2238\" data-elementor-post-type=\"page\">\n\t\t\t\t<div class=\"elementor-element elementor-element-657bcad0 e-flex e-con-boxed e-con e-parent\" data-id=\"657bcad0\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;gradient&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-5ed0f5fe e-con-full e-flex e-con e-child\" data-id=\"5ed0f5fe\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3b1ad0d4 e-con-full e-flex e-con e-child\" data-id=\"3b1ad0d4\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6e668890 e-con-full e-flex e-con e-child\" data-id=\"6e668890\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5251c559 elementor-widget elementor-widget-image\" data-id=\"5251c559\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"961\" height=\"961\" src=\"https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/scheiding_icon.jpg\" class=\"attachment-full size-full wp-image-2253\" alt=\"\" srcset=\"https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/scheiding_icon.jpg 961w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/scheiding_icon-300x300.jpg 300w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/scheiding_icon-150x150.jpg 150w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/scheiding_icon-768x768.jpg 768w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/scheiding_icon-600x600.jpg 600w, https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/scheiding_icon-100x100.jpg 100w\" sizes=\"(max-width: 961px) 100vw, 961px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1d6857df e-con-full e-flex e-con e-child\" data-id=\"1d6857df\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-70e54e4a elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"70e54e4a\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInRight&quot;,&quot;_animation_delay&quot;:200}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Going through a divorce<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-3c23f643 elementor-widget elementor-widget-heading\" data-id=\"3c23f643\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Your new beginning starts with the right mortgage<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2552a274 elementor-widget elementor-widget-text-editor\" data-id=\"2552a274\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>A divorce can be an emotionally and financially challenging time. Dealing with the division of your home and adjusting your mortgage can feel stressful, but you don\u2019t have to go through this alone. We offer you personalized and expert advice, tailored to your situation, to help guide you through this transition. Whether you decide to stay in your home or move to a new one, we will help you find the right mortgage solution for your new chapter.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-26f8c45f elementor-widget elementor-widget-global elementor-global-1247 elementor-widget-button\" data-id=\"26f8c45f\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/orionfd.nl\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Make appointment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1982b859 e-flex e-con-boxed e-con e-parent\" data-id=\"1982b859\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-430d63bb e-con-full e-flex e-con e-child\" data-id=\"430d63bb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-706fdd0c elementor-invisible elementor-widget elementor-widget-heading\" data-id=\"706fdd0c\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeInUp&quot;}\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What options do I have during a divorce?<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5da87937 elementor-invisible elementor-widget elementor-widget-text-editor\" data-id=\"5da87937\" data-element_type=\"widget\" data-e-type=\"widget\" data-settings=\"{&quot;_animation&quot;:&quot;fadeIn&quot;,&quot;_animation_delay&quot;:300}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>When you and your partner have purchased a home together and decide to separate, figuring out what happens to the home is often a key step in the divorce process. There are various options, and each choice has its own impact on your financial situation. Let\u2019s take a look at the options and what they mean:<\/p><h3>1. <strong>One of you stays in the home (buying out the ex-partner):<\/strong><\/h3><p>If one of you decides to keep the home, the other can sell their share. In this case, the mortgage will need to be adjusted so that the person staying takes full responsibility for the loan.<\/p><p><strong>What does this involve?<\/strong><\/p><ul><li class=\" translation-block\"><strong>Appraisal:<\/strong> The home needs to be appraised to determine its current value. This is important for calculating the share your ex-partner will receive.<\/li><li class=\" translation-block\"><strong>Restructuring the mortgage:<\/strong> The person staying in the home may need to take out a larger mortgage to buy out the other\u2019s share. This often means higher monthly payments, so it\u2019s important to check whether you can afford them.<\/li><li class=\" translation-block\"><strong>Equity:<\/strong> If there is equity in the home, it is usually divided. The person taking over the home will pay the other party their share.<\/li><\/ul><p class=\" translation-block\"><strong>What does this mean financially?<\/strong> If you keep the home, you will face a mortgage refinance. This could result in higher monthly payments. If there is equity, your ex-partner will need to be paid out.<\/p><h3>2. <strong>Selling the home:<\/strong><\/h3><p>If you both decide to sell the home, the proceeds from the sale will be used to pay off the mortgage. What happens next depends on how you wish to divide the money.<\/p><p><strong>What happens to the equity?<\/strong><\/p><ul><li>If the sale price is higher than the remaining mortgage, equity will be created. This is typically divided between both partners, usually according to the divorce agreement.<\/li><li>It\u2019s good to know that taxes may apply depending on how the equity is divided.<\/li><\/ul><p><strong>Wat betekent dit financieel?<\/strong> <strong>What does this mean financially?<\/strong> After the sale, the mortgage will be paid off. If there is equity, it will be split between you, and you can each look for a new home with a new mortgage, tailored to your personal situation.<\/p><h3>3. <strong>Adjusting the mortgage:<\/strong><\/h3><p>In some cases, you may decide to keep the home together despite the divorce. This can happen if both partners continue living in the home, or if one of you wants to keep the home and the other takes over part of the mortgage.<\/p><p><strong>What does this involve?<\/strong><\/p><ul><li class=\" translation-block\"><strong>Restructuring the loan:<\/strong> This may require adjusting the mortgage, for example, by having one partner take over the entire mortgage. This might necessitate refinancing, depending on the financial situation of the person staying in the home.<\/li><li class=\" translation-block\"><strong>Tax returns:<\/strong> Your tax returns may change if the mortgage is redistributed, resulting in adjustments to how mortgage interest deductions are calculated.<\/li><\/ul><p class=\" translation-block\"><strong>What does this mean financially?<\/strong> If you keep the home together, it may affect your monthly payments. If one person takes over the mortgage, the debt will be redistributed, and monthly payments may increase depending on the new mortgage amount.<\/p><p>\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3b922d3d e-flex e-con-boxed e-con e-parent\" data-id=\"3b922d3d\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-7f9be7e e-con-full e-flex e-con e-child\" data-id=\"7f9be7e\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e36e321 elementor-widget elementor-widget-heading\" data-id=\"3e36e321\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Making the right choices during a divorce<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-348daab8 elementor-widget elementor-widget-text-editor\" data-id=\"348daab8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>There are various options for your home and mortgage during a divorce, such as selling, buying out, or staying together. Each choice will impact your financial situation. We offer personalized advice to help you make the right decision. Contact us for the best solution!<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-54b67cd7 elementor-widget elementor-widget-global elementor-global-1247 elementor-widget-button\" data-id=\"54b67cd7\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/orionfd.nl\/contact\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Make appointment<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d6df66a e-con-full e-flex e-con e-child\" data-id=\"6d6df66a\" data-element_type=\"container\" data-e-type=\"container\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t<div class=\"elementor-element elementor-element-8cd961 elementor-cta--layout-image-left elementor-cta--mobile-layout-image-above elementor-cta--valign-middle elementor-cta--skin-classic elementor-animated-content elementor-bg-transform elementor-bg-transform-zoom-in elementor-widget elementor-widget-call-to-action\" data-id=\"8cd961\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"call-to-action.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-cta\">\n\t\t\t\t\t<div class=\"elementor-cta__bg-wrapper\">\n\t\t\t\t<div class=\"elementor-cta__bg elementor-bg\" style=\"background-image: url(https:\/\/orionfd.nl\/wp-content\/uploads\/2024\/12\/pexels-photo-4098205-4098205-1-1024x683.jpg);\" role=\"img\" aria-label=\"A couple sitting apart during a counseling session, reflecting tension.\"><\/div>\n\t\t\t\t<div class=\"elementor-cta__bg-overlay\"><\/div>\n\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>In een scheiding Jouw nieuwe begin begint met de juiste hypotheek Een scheiding kan een emotioneel en financieel moeilijke periode zijn. Het omgaan met de verdeling van je woning en het aanpassen van je hypotheek kan stressvol aanvoelen, maar je hoeft dit niet alleen te doen. Wij bieden je persoonlijk en deskundig advies, afgestemd op [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"class_list":["post-2238","page","type-page","status-publish","hentry"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/pages\/2238","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/comments?post=2238"}],"version-history":[{"count":16,"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/pages\/2238\/revisions"}],"predecessor-version":[{"id":2743,"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/pages\/2238\/revisions\/2743"}],"wp:attachment":[{"href":"https:\/\/orionfd.nl\/en\/wp-json\/wp\/v2\/media?parent=2238"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}