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J. Christopher Real Estate GroupJ. Christopher Real Estate Group

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Real Estate Options during a Divorce

At the J. Christopher Real Estate Group, we understand the complexities of real estate and life, and we have trusted lawyers that we work with to help people through the process of selling while navigating a divorce. Our experienced real estate professionals understand the issues clients face during a divorce and will provide step-by-step guidance to protect them legally and financially.

It is often helpful for sellers considering divorce to consult with a real estate agent before the divorce is settled. If the house is handled incorrectly during a divorce, one or both spouses may be ineligible to qualify for a mortgage. This could impact their ability down the road to refinance or buy a house with a new loan for years.

Not making the necessary adjustments to the homeowner’s insurance policy is another mistake divorcing couples make. Even if two people are married and on the deed, it does not necessarily mean that they are both insured on the home. If one spouse is listed only as an insurance beneficiary and remains in the home, he or she will not be covered after the divorce is final.

There are other factors that must also be taken into consideration when dealing with real estate during a divorce. What is the most effective way to agree on the value of your home? How will you equitably split the proceeds from the sale of your home? What are the tax implications for both parties once the sale is complete? These complex questions can easily be managed by an experienced, trusted real estate professional. At J. Christopher Real Estate Group, we recognize the emotional and financial burden of divorce and are committed to ensuring a smooth and stress-free process.

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Carrying the Burden During Your Time of Need

We at the J. Christopher Real Estate Group know the process of short selling a house can be difficult, but we want to do everything we can to help. When you find a willing buyer, but the offering price is less than the mortgage on the home, you have the option for a short sale.

If you need your name removed from a mortgage and there is no equity in your home, a short sale may be your best choice. In the post-Great Recession world of today, lenders are more forgiving about short sales. Getting approved for a short sale is not always easy, but after a divorce, lenders are more apt to agree to a short sale as opposed to a foreclosure.

Lenders are not being generous by allowing a short sale, they are being practical. By opting for a short sale, they are protecting their best interests. They do not want the home to foreclose. In many cases, lenders will not agree to a short sale unless you are behind in your mortgage payments and unable to pay a shortfall.

An example of a short sale would be if you owe $200,000 on a mortgage, and the property has dropped in value to the point you could only sell it for $180,000. In such a case, a lender may be more willing to let you sell it for $180,000 and walk away from the difference.

At the J. Christopher Real Estate Group, we understand that considering a short sale is a hard decision. Our team of real estate lawyers will work for your benefit, and we will deal with the banks for you. Someone on our team will always be available for whatever questions you may be struggling with, and we will help you put a plan together before you fall behind.

We at J. Christopher Real Estate Group care about our clients in their time of need. Give us a call at 401.830.6906 for a confidential free consultation in the privacy of your own house when you are ready to talk about short selling your home.

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First Time Homebuyers Qualify for Thousands in Down Payment Assistance

Rhode Island Housing’s new Down Payment Assistance Program is helping hundreds of Rhode Islanders achieve their dream of homeownership. Designed to help strengthen housing demand and increase homeownership opportunities for first time homebuyers, this program offers $7,500 in down payment assistance.

J. Christopher Real Estate Group has seen first-hand the difference this program has made for first time buyers. We strive to help buyers enjoy the experience of owning a home, while respecting the reality of a budget. If you are considering purchasing your first home, now is the time to get the process started. The Down Payment Assistance Program is a great way to manage your budget, while also making positive steps towards your future.

To qualify for the program, the property must be located within one of the six communities hit hardest by the foreclosure crisis: Cranston, East Providence, Pawtucket, Providence, Warwick, Woonsocket. The individual seeking to purchase must be a first-time homebuyer purchasing a 1-4 family home or condominium. The individual must also complete a homebuyer education course (offered online through Rhode Island Housing), meet Rhode Island Housing loan and income limits, obtain a Rhode Island Housing-funded first mortgage through a participating lender or Rhode Island Housing, and occupy the home as a primary residence. If you meet these requirements then this program was designed for you. We want to help ensure that you are making responsible, reliable and reasonable decisions when it comes to buying a home and this program was designed to help you do just that.

To learn more about the Down Payment Assistance Program and whether you qualify, please feel free to give us a call at 401.830.6906. We specialize in first time homebuyers and want to be a resource for you to help make the process as stress-free and smooth as possible.

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About Us

Built for people like us.
Licensed in Rhode Island, Massachusetts and Connecticut, J.Christopher Real Estate Group is the go-to real estate solution for people who value hard work and results. Whether you’re a first-time buyer or you’re selling your long-time family home, you’re always our top priority because you’re our client.

Led by Jarrod Lewis, J.Christopher Real Estate Group is a team of professionals working to provide our clients with personalized customer service backed by years of trusted, industry experience.

We treat people like we expect to be treated, and we understand the value of hard work. This means we will be there for you at night and on the weekends to answer your questions and guide you through the process.

Testimonials

Jarrod and his team were incredible. We worked with Jarrod and Lori on purchasing our first home and it was by far the best experience working with anyone on anything, I've ever had. I was confident knowing they were taking care of us throughout the home buying experience, and even now, after purchasing our home,

Justin Lizotte

We recently closed on our house last week and let me tell you how FLAWLESS and EFFORTLESS the process was with Jarrod's team! This was our first ever home buying experience and I am not sure what people say is so "tough" or a "nightmare". We worked with Erica and she was a rock-star throughout

Alyssa Toth

Lori McVey was nothing short of an excellent and amazing realtor. She is very knowledgeable and understanding and was conscientious to my situation, as well as the entire process of home buying and what to look for and do, etc. When I needed her to come through on something she did so and then some.

Kyle White

Can't say enough about Jarrod and his team. Honest and straight forward, I got a a strong sense of his integrity when I first met him and my first impression was correct. He and Stefanie were always available immediately when I called them. No waiting endlessly for a response or wondering why they hadn't called.

Kevin McGrath

Contact Us

986 Hartford Avenue Johnston RI 02919

401-830-6906
info@jchristophergroup.com
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