what happens in a divorce settlement when you have a home involved

The answer depends completely on the unique facts of each case.   I recommend that you meet as soon as possible with a very experienced lawyer who devotes his/her practice to New Jersey Family Law matters, go over your situation in detail, get educated answers to your questions, and obtain expert guidance as to the best course of action. In my opinion, it will be well worth the cost of the meeting. I head a law firm that devotes its practice exclusively to New Jersey Family Law matters.  It's all we do. Please feel free to take a look at our Firm Website (www.salvaggiolaw.net), which contains a lot of helpful information. Your question does not identify where you live.  My offices are in Morristown.  I would be happy to meet with you.  If you want to do that, please call 973-455-1220. David F. Salvaggio, Esq.