They’re Divorced. A 2% Mortgage Is Keeping Them Together.

A mortgage is binding together Ryan Hambry and Morgan Dickson well after the end of their marriage. 

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Selling would free up the wealth in their home but force each of them to purchase at today’s high prices and rates, or navigate the vagaries of the rental market.

Having one buy out the other can mean refinancing into a higher-rate loan, said New York family lawyer Marilyn Chinitz. For Dickson and Hambry, a buyout would require refinancing into his name on one income, giving up the lowrate loan for a new one as high as 7%.

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"They’re Divorced. A 2% Mortgage Is Keeping Them Together." by Dalvin Brown was published in The Wall Street Journal on September 6, 2025.