Four tips for selling a home during a marriage or divorce

1. If you ever divorce, agree that you will refinance your home in the name of whatever person keeps the house, or you will sell it.

2. Bear in mind that the fair market value of a residence is probably lower than what a real estate agent tells you that he or she would list the home for.

3. Consider a 15-year mortgage because they usually have lower interest rates and thus not too much of an increased payment, even though the full payoff occurs sooner.

4. Be careful with lines of credit, as those temptations sap the home of its value and do not even carry a very favorable interest rate