Big Changes for Divorced Clients! FHA used to require legally divorced borrowers to provide evidence that 12 months of payments were made by the ex-spouse where a jointly owned home was court-ordered to be paid by the ex-spouse.  They just updated their guidelines to state that if the home is court-ordered, the lender does NOT need to show 12 months of timely payments by the ex-spouse! Interested in learning more? Let’s discuss your situation!