Foreclosure and Divorce in Louisville – Beware When One Spouse Gets The House

Foreclosure and Divorce in Louisville – Beware When One Spouse Gets The House and The Other Gets The Mortgage

When the divorce agreement awards the house to one spouse and the mortgage obligation to another, this could spell great peril. The spouse in the house often doesn’t know if the “mortgage spouse” stopped making the payments.

The billing address usually gets changed to the mortgage spouse’s new address. The spouse in the house does not get any late notices about non-payments until it’s too late.

Even though the house spouse can claim that the mortgage spouse is in contempt of the agreement, the damage is already done. The back payments and legal fees often make it too hard to catch up and cure the arrearage.

The house is now headed to short sale or foreclosure. Foreclosure often leads to bankruptcy.

So what should be done if you are a spouse that got the house?

  • You still have the right to call the lender every month to confirm the payment was made.
  • You have the ability to check the payment history online.
  • You may also call your lender to determine what other early alert systems they have. Can they email you late notices? Can they mail you duplicate billing statement copies?

You don’t want to be totally blindsided about the arrearage when the sheriff knocks on your door to serve you with an unexpected foreclosure lawsuit.

Dave Halpern, Realtor
Dave Halpern Real Estate Group
Keller Williams Realty Louisville East

Cell (502) 664-7827

Search Results


$179,900, 3 Beds, 1 Baths, 1,209 Sqr Feet
Welcome to 723 Lampton Street! This 3-bedroom shotgun style home is ready to welcome its new owners with its charming and cheerful brick exterior highlighted by a white picket fence. Features of this beautiful home include new windows, a large eat-in kitchen with granite countertops, white shaker c
$325,000, 4 Beds, 2 Baths, 1,453 Sqr Feet
Wonderful Cape Cod home in very convenient location! Well maintained and comfortable 4 bedrooms, 2 full baths. Wood floors throughout. Updated kitchen with granite countertops. Updated bath with walk in shower. Vintage details in the curved archways, embellished fireplace mantle and built in china c
$299,000, 4 Beds, 3 Baths, 2,749 Sqr Feet
Really nice home features four bedroom, three full bath, one half bath and a finished basement. Located in a nice quite neighborhood. Super Nice Home with a lot of square footage. If you need space this is the home for you. There is a new addition that was added in 2020 that features a large walk i
$149,500, 4 Beds, 2 Baths, 1,800 Sqr Feet
BROKER-OWNER-LISTING AGENT. This home is special it is the last home on the end of the street backing up to 2 fields. Very Private. New updated kitchen and bath. Comes with new stove. New side walk and back patio 19x12. Storage shed. Seems to be a updated roof as well. Fenced back yard. Refinished f
$99,000, 2 Beds, 1 Baths, 1,204 Sqr Feet
This house is zoned OR2-OFFICE/RESIDENTIAL. This house/building is in the hot Smoketown area just down the street from lots of new development, including the famed Paristown Pointe and the new Logan Street Market. This house is ready to be finished with some small renovations. It has a large firs
$262,500, 3 Beds, 1 Baths, 1,440 Sqr Feet
Charming ranch in the desirable City of Windy Hills. Entering you will find on your left an updated Kitchen, stainless steel appliances, hardwood floors, a Dining Room area and Living Room combination with hardwood flooring. From the Dining Room area there are glass sliding glass doors to a Sun Room
$169,900, 3 Beds, 2 Baths, 1,120 Sqr Feet
Welcome home to this 3 Bedroom/2 Full Bath home located in the heart of Okolona. This freshly painted ranch home boasts an open floor plan with the living room and eat-in kitchen combined. Enjoy the Owner's Suite with his and her closets, and private full bath with shower. Home was renovated in 2
$624,995, 4 Beds, 3 Baths, 4,358 Sqr Feet
Sellers want to show before Open House on Sunday. Gorgeous, custom built brick home with 4300 sq ft of finished awesomeness. 4 bedrooms and 3.5 baths. Spacious kitchen with granite countertops and custom cabinetry including 2 tiered breakfast bar. Kitchen flows to the Great Room, upper deck and form
$225,000, 3 Beds, 2 Baths, 1,690 Sqr Feet
Welcome to this adorable 1.5 story home located on a quiet dead end street to a Metro Park. This property is minutes from the Highlands, Fern Creek, J-town, Watterson Expressway, and Gene Snyder. This home features brand new laminate flooring in the kitchen, front room, and dining room. All HVAC was
$235,000, 4 Beds, 2 Baths, 1,247 Sqr Feet
Welcome home to this adorably updated and spacious Cape Cod style home, just off the Gene Snyder and Preston Hwy! Walk in the front door and fall in love with the open concept living room and kitchen. The living room features a wood burning fireplace and custom tile surround. The kitchen is a show s
$394,000, 4 Beds, 3 Baths, 2,555 Sqr Feet
Welcome to a beautifully remodeled Cape Cod style home with 4 bedrooms and 3 full baths. The first floor bedroom/office has a vaulted ceiling and an attached bathroom.. The kitchen has new white Shaker style cabinets, granite counter-tops, marble back-splash and stainless steel appliances. The open-
$250,000, 4 Beds, 3 Baths, 1,797 Sqr Feet
Beautiful, spacious (nearly 1800 sq/ft) cedar shake California Ranch with 4 bedrooms and 3 full baths in the heart of Lyndon! Features TWO Primary Bedrooms with ensuite full baths. Updates galore, including brand new roof (2/2021), both HVAC units (approx. 2 years old)-see full list in docs. Park-
$229,500, 4 Beds, 3 Baths, 2,171 Sqr Feet
Reduced! SPACIOUS 4 bed, 3 full bath with detached Garage! Located in desirable Clifton Heights area. Built in 2009 with abundance of space and large rooms through out. Fenced perimeter and gated front entry and newer porch leads to large family room that opens to the dining area and Kitchen. Newer
$127,900, 3 Beds, 1 Baths, 1,482 Sqr Feet
**BUY*** 2 Story Home featuring 3 Bedrooms, 1 Full and 1 Half Bath PLUS an Unfinished Basement. From the front porch you will walk in toyour Living Room that flows into the Eat-in Area of your nice sized Kitchen. The kitchen features plenty of cabinets and a Breakfast Bar, plus aPantry, great for yo
$125,000, 2 Beds, 1 Baths, 539 Sqr Feet
You will love this adorable REMODELED home. This home is conveniently located to The University of Louisville, Churchill Downs, restaurants, entertainment, I-65, The Fairgrounds and so much more. The home was completely gutted and remodeled. Fresh paint, All systems are new, new appliances and so mu
$249,900, 3 Beds, 2 Baths, 1,500 Sqr Feet
A gorgeous house Professionaly Renovated and Decorated throughout using the charm of the past mixed with the decor of today. With 3 Bedrooms and 2 Full Baths, a large kitchen and a flex room that can be used as an office, there is plenty of room to meet your needs. The backyard has a Fire Pit and is
$549,000, 5 Beds, 3 Baths, 4,800 Sqr Feet
Come be amazed at 6611 Sycamore Bend Trace located in Jefferson Trace on a very private lot. This gorgeous home was created with functionality and attention to detail. It boasts 5 bedrooms and 3.5 baths and a walkout basement with an additional room that could be used as another bedroom. On the firs
$215,000, 2 Beds, 1 Baths, 1,096 Sqr Feet
This newly remodeled, 2 Bedroom, 1.5 Bath home, is nestled in the great community of Germantown. Just minutes from the expressway, and walking distance to so many things!The home boasts 10 foot ceilings, new AC unit, new Flooring throughout, new Electrical panel and wiring, new light fixtures/fans a
$625,000, 4 Beds, 3 Baths, 4,098 Sqr Feet
You will love this beautiful walkout ranch from the minute you drive onto the private 2 acre property! This home has so many luxury updates, including but not limited to a gourmet kitchen which includes granite countertops, high end appliances, and an integrated refrigerator, hardwood floors with cu
$699,000, 4 Beds, 3 Baths, 3,276 Sqr Feet
Welcome to 606 Riverwood, a wonderful renovated home full of privacy, sunlight, open spaces and recent additions. Gleaming hardwood floors punctuate the clean lines and openness of the main floor. The living room and family room flank the soaring 2-story main entry. The cozy family room welcomes yo
$229,000, 3 Beds, 3 Baths, 1,702 Sqr Feet
You won't believe it until you see it! This three bedroom, three full bathroom home was totally restored and no corner was cut. Throughout the home is neutral paint colors and lots of natural lighting that shows off every detail. The eat in kitchen has lots of cabinets and countertop space perfect f
$329,000, 5 Beds, 3 Baths, 2,513 Sqr Feet
Very nice 5 bedroom, 3 Full Bath Brick Ranch. Great Room with gas fireplace. Private backyard and nicely landscaped. Large eat-in kitchen w/pantry, mud room off of garage w/lots of storage space for coats, backpacks, and shoes. Enjoy the covered porch off the kitchen for your coffee and quiet ti
$100,500, 3 Beds, 2 Baths, 1,003 Sqr Feet
Come take a look inside a MOVE-IN READY HOME! This 3-bedroom 2-full bath house was built in the 2000s. Beautiful hardwood pine flooring with carpet in each of the bedrooms. Home has been very well maintained and the owner has made quality updates and upgrades throughout including interior painting,
$399,500, 4 Beds, 2 Baths, 1,935 Sqr Feet
This beautifully decorated home is located a few blocks from Trinity High School in the heart of St. Matthews. This 4 bedroom, 2 full bath home has been renovated with all the modern amenities you would want while still holding the character of a home from a bygone era. As you enter the home, you w
$209,990, 3 Beds, 2 Baths, 1,495 Sqr Feet
Your search is finally over! You don't want to miss this completely gutted and rehabbed 3 bedroom 2 bathroom home in the beautiful, historic Smoketown/ Shelby Park area. The structure was stripped down to the frame and rebuilt by the previous owner. Plumbing, flooring, bathrooms, kitchen, doors, w
$239,900, 3 Beds, 1 Baths, 1,148 Sqr Feet
New Listing. 3 bedroom 1 1/2 bath home with sunroom and huge garage (that has heat and A/C). Centrally located - close to University of Louisville, parks and recreation. Very private backyard with really nice above ground pool. Everything one needs - all on one level. Meticulously maintained sh
$199,950, 3 Beds, 1 Baths, 1,100 Sqr Feet
Fabulous newly remodeled home and desirable Crescent Hill. This house just underwent a total new renovation including new plumbing ,electrical ,insulation, drywall, bathrooms, roof, paint, hardwood floor and carpet. New HVAC system was installed about 4 years ago and just put into service recently
$265,000, 4 Beds, 2 Baths, 2,114 Sqr Feet
If you are looking for acreage in Jefferson County, this is the home for you! 1.58 acre property includes a wooded area with a creek at the end of the property. Living in the City of Hollow Creek adds an extra bonus with a neighborhood park, Truex Park, and many social activities for residents. Home
$136,900, 2 Beds, 1 Baths, 764 Sqr Feet
Location, location, location. Fantastic Germantown home with fresh paint and carpet. Close to the University of Louisville and all that Germantown has to offer.
$287,500, 3 Beds, 2 Baths, 1,321 Sqr Feet
Stunningly renovated 3 bedroom, 2 bath home in the up and coming Merriwether/Schnitzelburg neighborhood! Located just minutes from U of L, downtown, and plenty of restaurants and shopping, you will be right in the heart of the city. This home has many updates including a new roof, HVAC, water heater