Yeah, I agree. Unless you are making as much as he is, then spousal is in order. If you have sole custody then it is child support not mortgage support and the tax relief on interest should benefit you both if joint. Good for you to get a financial advisor to look it over, I know H is seeing tax lawyer next week to work out an advantageous payment schedule (although one of my "requests" will be that he pay any tax implications, since in Canada, spousal support is taxable to me and deductible for him....). I like the idea of not sweating the small stuff, but if advisor says it is not small stuff, LISTEN!!