Hello y Hola


I'm Peter Hudson. I am a licensed real estate agent and REALTOR® in the State of Arizona and I have the special designation as Real Estate Collaboration Specialist - Divorce (RCS-D). This designation means I have specialized training with divorce situations in real estate transactions. 

I specialize in helping and representing couples who plan to divorce avoid expensive and long-lasting mistakes with their family home with compassionate explanations of all possibilities with the marital home.

Although my information will help anyone who is planning to divorce, my information will be particularly helpful to those who are preparing an uncontested divorce (as much as possible - I know, I've been there!) and who are at least being amicable in the decision. 

Remember, Arizona is a Community Property State. You can read more about this at this link:   Community Property State Explained 

Look around and if I can answer any real estate related questions for you please reach out. 

Thank you


Can You Refinance the House?


People fall out of love for various reasons and marriages end in divorce.

However, the mortgage loan both people signed for and agreed to pay  remains the responsibility of both borrowersmarried or not.  

The lender could not care less if you are getting divorced. They want their money, or they will take the house!

You’re Both Liable for the Debt

In the eyes of the mortgage lender, all parties who signed for the mortgage loan remain liable for the mortgage unless the house is refinanced by one person or the house is sold. The refinance loan or sale of the house will pay off the outstanding mortgage loan. 

Can’t One Just Refinance the House? 

If one of the divorcing parties can qualify for the refinance loan on their own, they can certainly refinance the house into just their name. This creates a new mortgage loan and releases the other borrower from the former loan.

However, the person who wants to refinance the home into their name must qualify for the new mortgage loan. The person must have the right income, the right debt to income ratio’s, and a good credit score – on their own – to get the new loan approved.

In addition, the house has to appraise for the new loan amount or higher.

If neither party can qualify on their own to refinance the loan there are few options left, other than to sell the house and pay off the existing mortgage.

Would You Like to Discuss Your Options?

Contact us for more information – Contact us.

Additional Reading

You may also want to read about Liens and Loans, just click the link below:

Liens and Loans   


Contact Us - Click Here

What I Do:

I specialize in helping couples who plan to divorce avoid making expensive and long-lasting mistakes with their marital home.

Although my information can help anyone who plans to divorce, it is best suited for those who are not contesting the divorce (too much) and are as amicable as possible. 

How Do I Do This?

I do this by helping people completely understand all of their options with the marital home including keeping the home, selling the home, and explaining why house due diligence, updated credit reports, and title searches can be beneficial.

I explain to our clients how their decisions with respect to the home can impact their quality of life for many years to come.

I explain to our clients how they need to prevent credit damage and preserve their ability to buy a home in the future.  

With the information I can provide, divorcing couples can make better decisions and perhaps avoid making expensive and long-lasting mistakes.

I can also introduce the couple to other professionals, such as mortgage counselors and title search professionals. 


For Attorneys and Mediators - How I Can Assist Your Clients Make the Best Decisions for Them?

In my real estate business, I explain to our client's many details about their joint home purchase and what they should consider regarding the family home before filing for divorce, during the divorce, and their life after the divorce (and how it relates to the marital home.)

The couples who can benefit the most from my services are those who are considering an uncontested divorce and/or who are willing to discuss these matters as amicably as possible.

If the couple has the attitude that they are going to take the other one for all they have we are not a good match.


I Do Not Take Sides

I'm often asked by clients who are heading for divorce 'whose side are you on?'  They are usually surprised to hear that I'm on the side of both. I want the couple to make the best choices for both, and make the best decisions for their futures because there is a light at the end of the tunnel.  I know, I have been there!


Why Do I Do This?

I do this in the interest of helping my clients protect their credit ratings and to preserve their future homeownership capabilities. 

If the couple decides to sell the marital home I hope that the information I shared has been helpful and they will consider me for the listing of the house.

Less Than 1%

Less than 1% of all real estate agents have the Real Estate Collaboration Specialist - Divorce (RCS-D) designation. Agents without this designation could just be guessing how to advise you through this difficult time, we'll give you the facts that only professionals with our specialized training can provide.