Janeese Jackson, Principal Broker
Real Estate Resource
I have a loan that has your exact scenario and I've already have drawn documents. Oregon works differently on legal separation and some out of area lenders do not know this. As long as you and your spouse are willing to write out who will be responsible for what debts and mention whether there is any support of if support is not an issue, I can fund this loan.
I am a lender and can work with any buyer throughout the State of Oregon. If you visit our website, you can read all about us as well as see we are offering a 1/2 price special. We work at your pace starting with looking at the whole picture and, through a process of elimination, together we will mold your program until it is exactly the way you like it. We are very low key and we do not charge any up front fees. Another nice feature is that I do everything in house. If you click on my bio, you can read several testimonials from current and past clients.
Ambient Home Lending
Toll Free 877-777-9763
If you file the legal separation, your approval for the loan would be based on your individual credit score, assets and income and the new house your individual liability (along with any purchases, credit cards or anything else, now becomes separate liabilities.
The other possible alternative to explore might be to purchase it as a married couple then have the other party quit claim, as part of the divorce, but do not construe this as legal advice, consult your attorneys and mortgage broker for both state law and lender requirements.
The only other situation I know of wherein one of the married partners can purchase a property as a sole owner is if the funds used for the purchase were a separate and private monies prior to the marriage and funds have never been co-mingled within the community property. (I dont believe this is the case).
Best wishes, let cool heads and warm hearts prevail
Jensen White Real Estate