{"id":5643,"date":"2025-09-19T09:32:52","date_gmt":"2025-09-19T14:32:52","guid":{"rendered":"https:\/\/solutionshypotheques.ca\/?p=5643"},"modified":"2026-04-06T14:48:48","modified_gmt":"2026-04-06T19:48:48","slug":"melissa-sale-by-reason-of-divorce-and-new-house","status":"publish","type":"post","link":"https:\/\/solutionshypotheques.ca\/en\/case-studies\/melissa-sale-by-reason-of-divorce-and-new-house\/","title":{"rendered":"M\u00e9lissa, sale by reason of divorce and new house"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"5643\" class=\"elementor elementor-5643 elementor-5583\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-9ae445c elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"9ae445c\" data-element_type=\"section\" data-e-type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-b0e493e\" data-id=\"b0e493e\" data-element_type=\"column\" data-e-type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-383a98d elementor-widget elementor-widget-text-editor\" data-id=\"383a98d\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p><span data-contrast=\"none\">M\u00e9lissa is very hardworking\u00a0mother of 3 and always pays her bills on time.\u00a0Unfortunately, she is in the process of divorce. M\u00e9lissa wants to buy a new, smaller house in Laval. She has an excellent deposit that will come from the sale of the house, and she\u00a0works as a\u00a0hospital supervisor for the\u00a0elderly.\u00a0<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335559739&quot;:375,&quot;335559740&quot;:420}\">\u00a0<\/span><\/p><p><span data-contrast=\"none\">She cannot qualify for a mortgage right now because her\u00a0credit rating is too low. This is because\u00a0her ex&#8217;s defaults on their joint debts! She has more than 20%\u00a0down payment\u00a0and the family residence is already sold. She does not want to go into housing and more and more landlords are checking credit scores before renting. She should also think about storing her belongings if the home or house does not meet her needs. She is under tremendous stress now that the house is sold, and she is looking for help! She would like to find a solution quickly to find accommodation with her children.<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335559739&quot;:375,&quot;335559740&quot;:420}\">\u00a0<\/span><\/p><ul><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" aria-setsize=\"-1\" data-aria-posinset=\"1\" data-aria-level=\"1\"><span data-contrast=\"none\"><strong>House sold:<\/strong> Vimont<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\"><strong>Desired house:<\/strong>\u00a0Fabreville<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><li data-leveltext=\"\uf0b7\" data-font=\"Symbol\" data-listid=\"10\" aria-setsize=\"-1\" data-aria-posinset=\"2\" data-aria-level=\"1\"><span data-contrast=\"none\"><strong>Chosen solution:<\/strong>\u00a0Rent to own<\/span><span data-ccp-props=\"{&quot;201341983&quot;:0,&quot;335559739&quot;:160,&quot;335559740&quot;:240}\">\u00a0<\/span><\/li><\/ul><p><span data-contrast=\"none\">She had the option of choosing a private lender or\u00a0\u201crent to own,\u201d\u00a0but\u00a0she\u00a0chose\u00a0the\u00a0rent to own\u00a0program\u00a0since the monthly payments were lower, it took less down payment than the private loan and she got a term of 3 years that gave her stability while she participated in the credit repair program and increased her credit rating. At the end of the term, she will just buy the house and go to the bank!<\/span><span data-ccp-props=\"{&quot;201341983&quot;:2,&quot;335559739&quot;:375,&quot;335559740&quot;:420}\">\u00a0<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>M\u00e9lissa is very hardworking\u00a0mother of 3 and always pays her bills on time.\u00a0Unfortunately, she is in the process of divorce. <span>&#8230;<\/span><\/p>\n","protected":false},"author":7,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[76],"tags":[],"class_list":["post-5643","post","type-post","status-publish","format-standard","hentry","category-case-studies"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v26.0 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Case Study: Selling After Divorce to Buy a New Home | Solutions Hypotheques<\/title>\n<meta name=\"description\" content=\"Case study: selling after divorce and securing financing for a new home despite challenges. 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