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832.483.0829

The Gifford Group

Signed in as:

filler@godaddy.com

  • Home
  • Home Search
    • 55 Plus Communities Homes
    • Cypress Homes
    • Dream Homes
    • Find A New Home
    • Home Listings
    • Homes with pool
    • Katy Homes
    • Houston Homes
    • Fulshear Homes
    • Missouri City Homes
    • New Construction Homes
    • Land for Sale
    • Map Search
    • Richmond Homes
    • Spring Homes
    • Sugarland Homes
    • The Woodlands Homes
    • Tomball Homes
    • Foreclosure homes
    • For Lease Homes
    • Advanced Home Search
  • Home Resources
    • Apply Now
    • One-Stop Real Estate
    • Current Mortgage Rates
    • What Is My House Worth
    • Home Buyer's Guide
    • Home Seller's Guide
    • Owner Financing Homes
    • HAR Houston Homes
    • Houston HOA Homes
    • Real Estate Market News
  • Blog/Info
    • New Beginnings Blog
    • Contact Us
    • Order Our Book
    • Our Team
    • Real Estate Agents
  • Calculators
    • Buy Vs Rent Calculator
    • Mortgage Calculator
    • House Affordability
    • Closing Cost Calculator
    • Reno Loan Calculator
    • Capital Gains Calculator
    • Mortgage BuyOut
    • Blended Rate Calculator
    • Mortgage Assumption Tool
    • Seller Net Sheet Texas
    • Buyer Closing Cost
    • Property Taxes Calculator
    • 3/2/1 BuyDown Calculator
    • Rate Buydown Calculator
    • Real Estate Commission
    • Rental Calculators
    • Refinance Closing Cost
    • BRRRR Calculator
    • Cash on Cash Returns
    • Loan Comparison Tool
    • DSCR Loans
    • Inherited property Homes
    • Home Builder Discounts
    • FHA 203K Loan Calculator
    • Energy Cost Calculator
    • Affordability of Rent
  • Divorce
    • Navigating Divorce Book
    • Child Support Calculator
    • Divorce Buyout Calculator
    • Divorce Videos
    • Divorce Real Estate
    • My Divorce Real Estate
    • Refinance Now
    • Divorce Checklist
    • Divorce Resources
    • Divorce Seminar
    • Divorce Support
    • What Happens To The House

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Check out our Latest YouTube Videos

My Divorce Real Estate

Divorcing and Own a House? 4 Options You Need to Know

 The complicated aspect of divorce proceedings is deciding what to do with the family home.  Leveraging over a decade of experience in real estate, Scotty offers practical solutions by discussing the various options available to couples.   

Scotty outlines four primary paths couples can take with their homes:  

Don't Make these Mistakes during Divorce

Why you should NOT Leave the Marital home during divorce

 Today we talk about whether Should you leave your family home during a divorce?  We go over what Attorneys have told us and what we experience during our own personal divorce stories.    

 
Subscribe to our Channel 

REMOVE Your Name From MORTGAGE During Divorce

 Learn the only true ways to get your name off the Mortgage during a divorce. Today we talk about the home and how you can get your name on the mortgage when you are going through a divorce.  

How to Choose a Divorce Attorney, Plus What Red Flags to watch out for!

 How To Pick The Right Family law attorney?  We speak with Mike Day, a Houston Family Law Attorney, about choosing a Family Law attorney when going through Divorce.    

A great question, we cover, what Red Flags to watch out for!   

 
Subscribe to our Channel 

House Buyout Divorce Calculator, How much Equity Can I Tap?

 Calculate how a Divorce house buyout would work for you. 

This divorce buyout calculator can give you an idea of how much equity you have to divide with your spouse.  
 

Divorce Buyout Calculator


Don't order you own appraisal during Divorce

We go over the reason why should not order your own appraisal during a Divorce.  

We cover the 5 reasons why you should not order your own appraisal during a divorce.  

 
Subscribe to our Channel 

Check out our 10 Don'ts Of Divorce

  10 Don't During Divorce


Download your

 Free Divorce Resource at www.mydivorcerealestate.com  

What is Mediation? What is Court Ordered Mediation?

 Mediation is required before you go to court during Divorce.  What should you expect when you go into mediation?  We cover why you need it, Temporary orders vs Final Decree. Meditation is stressful but still alike a cheaper and quicker option than going to trial.  


Read more about the Cost of Divorce

How to Prepare for Divorce Mediation

 Mediation is a confidential process guided by a certified and trained mediator serving as a neutral third party to assist disputing parties achieve and document specific, mutually agreed upon solutions found to be satisfactory to both parties.  That is good news and what you agree upon won't be part of the public records as if you did go to trial.  


Read more about Mediation for a Divorce in Texas

What Type of Deed to Sign During Divorce in Texas?

Quitclaims, Special Warranty, General Warranty Deeds?
The use of a Special Warranty Deed is recommended only if the parties know, such as in a divorce situation, and if a title company has conducted a title search to verify the seller owns the property.  


Read more about Deeds during Divorce and stay informed

Ways to Help your Real Estate Agent Sell Your Home During Divorce

 We can help, we work with divorcing couples weekly to help them make informed decisions about their home. What can you do during these tough times to help this important real estate transaction go smoothly?  We offer Helpful ideas to make this easier on everyone.  

Schedule a call with us today! 

Life After a Gray Divorce

 Divorcing later in life presents some unique challenges, particularly those related to finances and dividing marital assets.      

 The divorce rate among people 50 and older has nearly doubled in the past 20 years. After raising kids for most of your marriage, you've now found yourself without the kids to focus on. You are left with only your husband or wife. When their children become adults or go off to college and leave them "empty nesters", the couple decides to begin divorce proceedings.  

Read more about Life after a gray Divorce

The 5 biggest Divorce mistakes in Real Estate

1. Not getting pre-approved to buy out your spouse. If you are wanting to keep the home   

2. Keeping the house and becoming house poor   

3. Waiting to sell   

4. Buying another home before the divorce is Finalized  

 5. Leaving the home without a plan   


We go over each one in detail in the video below. 

Get informed and make informed decisions. 

Child Custody Schedules in Texas Divorce

 Are you navigating the intricacies of custody arrangements in Texas? 🤔 In this insightful video, we delve into the differences between Standard Possession Order (SPO) and Extended Standard Possession Order (ESPO) with a focus on the 50/50 custody schedule. 📆
Read more about Child Custody in Texas

Youtube Shorts

DIVORCE ASSISTANCE IN REAL ESTATE

How much is my house worth? Determining house value in divorce

Today we talk about the best way to determine the value of your home and 3 other ways to find the value of your home. 

 We talk about the difference between the CMA vs appraisals.


What is your home worth?

Title Insurance Basics and Why Title insurance is important During Divorce

We talk with Mary Jean McArthur, an Escrow Officer-Residential at Providence Title, about the basics of Title insurance because it is important, especially during divorce.  


Mary Jean shares a Divorce story and why Title insurance is so important.  How much will you make selling?

Don't Sign that Special Warranty Deed Yet

Don't do it! We cover the big reason why you should not sign the special warranty Deed unless you know your ex-spouse can buy you out and has the preapproval in hand.  We go into a recent example of how signing the special warranty deed has caused issues.  

Special Warranty Deed Texas

Who gets the House in a Divorce in Texas? Buyout?

 Who gets the house in a divorce in Texas?   Texas is a Community Property State. Learn what that means for you? Thinking about buying out your spouse?  What is the Average (Hidden) Maintenance cost of home repairs?   Can you buy someone out of a house during a divorce? What happens to property owned before marriage?  Learn if a refinance divorce buyout is right for you?  What happens to the mortgage in a divorce?   Learn your options. Do you need to sell the home?  Or can you buy someone out of a house during a divorce? Learn if a buyout is right for you? 

QDRO What does it mean for your Divorce?

 QDRO What does it mean for your Divorce? When couples divorce, assets are usually divided.  However, that asset split doesn’t automatically extend to retirement plans.  This is where a qualified domestic relations order (QDRO) can come into play.  

A QDRO is a court order used to divide the assets that are in specific types of retirement plans, including 403(b) and qualified plans, such as 401(k)s.   

Assets distributed from a qualified plan under a QDRO are exempt from the usual 10% early withdrawal penalty.  

Because the qualified plan assets you receive under a QDRO are rollover-eligible, amounts that are paid directly to you instead of to an eligible retirement plan will be subject to mandatory withholding.  

Capital Gains Tax on Real Estate and Tax implications Divorce

 We cover the biggest Tax Implications when going through Divorce, Capital Gains.   During a divorce, when selling the marital home you need to understand capital gains taxes.   


 When a sale of the marital home involves potential capital gains taxes, understanding the available exclusion tests is crucial.  


The current Capital Gains Exclusion on the sale of the primary residence currently allows for a $250,000 individual exclusion.  Married couples are allowed a $500,000 marital exclusion.
 

8 Tax Implications of Divorce

 We cover the 8 Tax Implications when going through Divorce  

Thinking about Divorce or Recent Filed? Here are some answers to common Divorce tax questions Divorce and Taxes 

1. Timing of the Divorce

2. Liability of Joint Returns,  

3. Dependents, Claiming Children for Taxes

 4. Business Assets Transfers 

 5. Retirement assets, 401k, IRA, use of QDROs 

6. Capital Gain Taxes, when selling a property 

7. Child Support

 8. Spousal Maintenance/Alimony
 

Keep house in Divorce? 6 Areas of Risk if you are thinking about keeping the house post Divorce

 Thinking about Keeping the House after Divorce. Learn the 6 areas of Risk associated with your Largest asset.   Learn your Risk and if you are willing to accept them.  As Divorce Real estate Specialists, we can help you get connected to Lenders, CDFAs, and Divorce Attorneys     

The 6 Areas of Risk in Keeping the house post Divorce 

1. Is the Home Insurable?  

2. Mechanic Liens - Contractors lien,  

3. Home Loan - Can you Refinance? Divorce Buyout 

4. Condition - Condition of the Property, Deferred Maintenance.  

5. Value of Home - What is my home actually Worth?         

6.  Title - are you on the Deed or Mortgage?  
 

Getting a loan during Divorce, what is the Process?

 We answer questions about Divorce and Lending! 

 We Talk with Cindy West of Matador Lending, about getting a loan when going through a divorce.    

What does that process look like and what do you need to do? 


 What are the requirements to get a mortgage during a divorce? 

We cover some tips and tricks that can help you get a mortgage along the way. 


Pre Divorce Checklist, What you should know before you File for Divorce.

 Thinking about Divorce or Getting Ready to File for Divorce? Want to know, how to prepare for a divorce?  


We share our Divorce Preparation Checklist and important information you should know before getting a divorce. How to prepare for a divorce. 


Through 8 Divorces, Learn from our Mistakes, The Gifford Group - Divorce Real Estate Specialists

 Divorce is the second most stressful life event.   We have both been down this path before, and we can assist you in navigating through the unknowns.  We are here to help. Amber has been through divorce 8 times seen childhood.   What We Do  Our passion is to help people going through Divorce. We understand you are scared and worried. We have experience and empathy as both of us have gone personally be through a divorce.  


 Down our Free Divorce Resource at  https://www.mydivorcerealestate.com/ 

For Mortgage Lending, Refinance, Buyouts, or Purchases, contact Scotty Gifford today.

 We have mortage options for you that most lenders don't even know about. Work with the Divorce Lending Specialist. 

See our Mortage Buyout page


Read more at https://apply.zoomloanapp.com/home/scotty-gifford

DOWNLOAD A FREE RESOURCE, STAY PROTECTED DURING DIVORCE

who gets the House during a divorce in Texas?

Real Estate & Divorce, What You Need to Know

 The Gifford Group on "The Divorce Coaching Hour" With Christy Stratton Part 1  


Our discussion centered around how we can remove the FEAR our clients feel when dealing with  Divorce and Real Estate matters. Remember FEAR stands for  False Evidence Appearing Real.   Part 1

 

Real Estate & Divorce, What You Need to Know Part 2

 The Gifford Group on "The Divorce Coaching Hour" With Christy Stratton Part 2


 When a divorce occurs, real estate matters can become even more complicated.  

Real Estate & Divorce, What You Need to Know Part 3

When it comes to real estate, we discussed the 6 areas of risk that you need to consider.   Risks are spread across six different areas: The Mortgage, The Title, The Property Value, Mechanic Liens, Insurance, and the Property Condition. 

Real Estate & Divorce, What You Need to Know Part 4

 Regardless of the path you choose, we'll help you along the way. No matter if you are planning on selling or staying in your current home, our team can offer you expert advice.  

SPLIT: A film about Divorce for children and their parents

Amazing documentary that shows effects of divorce on children. This one-of-a-kind documentary features 12 brave and wise kids speaking honestly and openly about how it feels when parents split.  http://www.splitfilm.org


The Second follow up video will be coming out soon. 

Divorce -  who gets the house in a divorce with children
Real estate and Divorce in Houston

The Divorce Coaching Hour with Christy Stratton "Back to School" Real Estate and Divorce

It's "back to school" season and we couldn't miss the opportunity to talk about Mom's House + Dad's House during this time of year. In this special series, we will be talking to various divorce professionals about critical considerations in divorce like real estate, parenting plans and agreements, mental health, and environments - all related to your children. This is a must-not-miss series full of helpful info!

In this episode, Divorce Real Estate Specialists Amber and Scotty Gifford kick off the series. They share their real estate expertise and their personal experience about transitioning a family into two homes. You'll gain tips that will guide you about what to do and what not to do!  Listen Here

Real Estate and Divorce: What You Need to Know. Divorce real estate specialists Scotty and Amber

The Divorce Coaching Hour with Christy Stratton "Real Estate and Divorce: What You Need to Know"

Divorce real estate specialists Scotty and Amber Gifford of The Gifford Group join host Christy Stratton in this informative show about what you need to know when it comes to real estate and divorce. You'll learn the six areas that you need to focus on regarding your real estate interests, as well as the biggest mistakes people make in real estate and divorce. Make sure to add this podcast to your library, rate it, and review it. And please share this and all episodes with those who will benefit. Listen Here

Property Division During A Divorce

What is the Value of My Home? Discover the different ways to determine the value of your home and the pros and cons of each. 

marriages involving children -- blended Families

opening your eyes to the real estate aspect of divorce

Divorce is more than an ending—it's a new beginning

Two Roads, One Journey: Navigating Divorce Through God’s Grace

Two Roads, One Journey: Navigating Divorce Through God’s Grace

 Divorce is more than an ending—it’s a new beginning. This chapter in your life is filled with both fear and challenges, but also an opportunity for growth and hope.  


 

Read our New Book Two Roads, One Journey: Navigating Divorce Through God’s Grace


Cover All Your Real Estate Needs in the Greater Houston Metroplex / TExas  

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The Gifford Group, LLC - All Rights Reserved.

Equal Housing Opportunity

Opening Doors to New Beginnings

 Copy Right 2024 The Gifford Group. All rights reserved. All photos, images, and videos on this website are copyrighted and may not be downloaded reused without the written permission of the Gifford Group


Amber Gifford, TREC Lic. #0732687

INFORMATION ABOUT BROKERAGE SERVICES 


Scotty Gifford TREC Lic. #0740987

 Information About Brokerage Services



Scotty Gifford NMLS ID # 2357310

Mortgage lender is  Everett Financial, Inc. dba Supreme Lending NMLS #2129  

   Supreme Lending  is not affiliated with The Gifford Group. 

Scotty Gifford is both a licensed real estate agent and Mortgage Loan Officer (MLO) at   Supreme Lending
Texas Real Estate Commission Consumer Protection Notice


 Broker is Amber Gifford of The Gifford Group, LLC

Real Estate LLC, License #9014675 



 

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Divorce is more than an ending—it’s a new beginning.

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