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June 4th @ 9:00 A.M.
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Inspection Times: June 2nd & 3rd from 8:15am - 4:45pm
Divorcing Couples With a Home Need a Realtor With Specialized Training
I have completed a CE course on “Divorce Real Estate” and would like to share some of what I learned. As a happily married Baby Boomer, I was interested to learn that my generation is experiencing the highest rate of increase in divorce. While the divorce rate for couples 55 to 64 doubled between 1990 and 2012, it tripled for couples 65 and older.
The reason, as you might suspect, starts with the absence of minor children. In addition, retirement can bring out resentments or other negative feelings that may have been dormant when one or both partners were not home as much.
Addiction
Absence of love or intimacy
Also, as our instructor, Jocelyn Javernick of Limetree Lending Inc., told us, women are feeling an increased need to escape an unfulfilling marriage. Jocelyn shared a quote from Warren Buffett: “Wait until women find out that they are the real slaves of the world.”
She told the class that 70% of divorces are being initiated by women (of all ages), and that 50% of them are insisting they never want to marry again.
Jocelyn said the most common reasons for divorce (apparently in the order in which they were cited in surveys) are:
Loss of respect
Too much conflict; incessant arguing
Minor children
Illness
Lack of commitment
Infidelity
Lack of emotional and/or physical intimacy
Communication problems
Domestic violence Opposing values or morals (politics?)
One spouse not carrying his/her weight
Financial pressures
Lack of shared interest
Marrying too young
Unrealistic expectations
External family pressures
Trust issues
Parenting differences
Not supportive of each others’ goals
Education
Income disparity
One always hopers for an amicable separation and divorce, which is what my stepson achieved last year with his divorce. They agreed that he would buy out her co-ownership of their home, paying her an agreed-upon sum in return for the two of them quit-claiming the house to him alone. Having no children further simplified the process. When that’s the case, lawyers don’t have to be engaged.
Jocelyn provided the class with a guidebook to share with divorcing couples, with the aim not just of educating divorcing couples on the process, but also minimizing legal fees for them. The goal should always be to engage a mediator, and to not leave a mediation session without a signed document embodying what was agreed upon. Jocelyn provided the contact info for mediators who specialize in divorce.
As for real estate, if one party isn’t buying out the other’s share of ownership, it’s important to hire the right real estate agent, and that they agree upon who that is. One party may want to hire an agent who suggests a listing price higher than the other party’s agent, but choosing that
agent could be a prescription for not selling the house within a reasonable time period.
We were provided with a template for a court order that I can share with you. Submitting a ready-made court order to your attorney instead of having him pound it out at $500 per hour, can help to reduce the costs of going through the process, because, even when the parties have agreed to the terms of a divorce, a judge must approve the agreement and will want to hear from each party to make sure that the agreement is fair and not the product of a coercive marital relationship.
Jocelyn has found that most couples with a home to sell have only consulted Zillow regarding the valuation of their home. We real estate professionals have far better tools for properly valuing a home based on the analysis of appropriate comparable sales. In a non-amicable divorce, the parties might agree on hiring an appraiser, but appraisals are not what you need, because they don’t include an analysis of current market conditions, competing listings, and other
market factors which are embodied in a real estate “comparative market analysis,” which, by the way, is free, compared to the several hundred dollars you’d have to pay an appraiser.
Eighty percent of divorces include real estate, but too many divorcing couples leave money on the table because of bad advice about their home’s value, and have spent way more money than they should have on legal representation, when a non-lawyer real estate professional like myself can help them work through at least the process of liquidating what is probably the biggest asset of their marriage.
Call me at 303-525-1851 or email me at Jim@GoldenRealEstate.com, if I can be of help.
NOTE: My “Real Estate Today” column that normally appears on this page is now published bi-weekly. Look for it here next week and every other week thereafter. On those alternate weeks, look for an ad like this on a related topic.
1-Bedroom Condo on Clear Creek Listed by David Dlugasch
LOCATION, LOCATION, LOCATION!
This 1-bedroom 1-bath condo at 640 11th Street #302 has it all. In addition to the main bedroom, there's a custom-built high-end cherrywood murphy bed in the office that's perfect for guests or to use as a second bedroom. The kitchen features granite countertops, stainless steel appliances, and a kitchen island. The living room has beautiful hardwood flooring and a ceiling fan. Enjoy the views of the Table Mountains on your balcony. This location is incredible, as this building backs to Clear Creek and you're one block from downtown Golden's Washington Avenue with its array of restaurants, stores, and coffee shops. To top it off, there's a reserved parking space and a nice size storage cage in the secure heated garage. Come and see this very desirable unit in the heart of Golden. View a video tour at GRElistings.com, then call David at 303-908-4835 to set a showing.
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This week, Conifer Podcast recognizes and features Mr. Russell Clark, Planning Supervisor Jefferson County Planning and Zoning with the first of a two-part series on Jefferson County’s Short-Term Rentals Regulations
Part One: Wednesday, 5/28 at 5 pm, and thereafter, each evening at 6:30 pm.
Planned Pethood International (PPI) joined forces with IMHS in 2023. PPI has plans to build a new modern, pet friendly facility at their location at Conifer Crossing to replace the former shelter at the Old Log Building in Pine Junction. We are excited to continue helping homeless pets in the community. While the proceeds from the future sale will help, we are looking for donations to get the ball rolling sooner. Please donate at: https://gofund.me/7e349bfb
For more information please call 303-838-2668 • www.imhs.org
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