By Ziya Y. · 23 Years Banking & Mortgage · Updated May 2026
📖 Real Scenario
After 14 years of marriage, Diana is buying her first solo home. She earns $72,000/year and receives $2,200/month in alimony. Her ex's name is still on a joint credit card with a $400 minimum payment. Her DTI challenge: the joint card payment counts against her even though her ex pays it. Solution: get removed from the card, or get a letter from ex showing he's made all payments for 12 months.
Q: Does alimony count as income for a mortgage?
Yes — if it has been received consistently for at least 6 months and the divorce decree shows it will continue for at least 3 more years. You'll need the divorce decree, 6+ months of bank statements showing deposits, and possibly a court order.
Q: What happens to joint debts in my DTI?
Joint debts (credit cards, car loans) that are in both your names still count in your DTI — regardless of what the divorce decree says about who's responsible. The only exceptions: if the debt is paid in full, refinanced into ex's name only, or ex has 12 months of documented payments.
Q: Can I buy a house right after divorce?
Yes — there's no mandatory waiting period for divorce. However, you'll need to sort out joint debts and assets first, ensure your credit hasn't been impacted by the divorce, and document any alimony/support income properly.
Q: What if I'm getting the house in the divorce?
If you're keeping the marital home, you typically have 12 months from the divorce decree to refinance it into your name only. If you can't qualify solo, you may need to sell. Lenders won't remove an ex's liability without a refinance.
Not financial advice. Educational content based on 23 years of mortgage and lending experience. Qualification varies by lender, credit profile, and individual circumstances. Consult a licensed MLO for your specific situation.