Don’t know much about free trader agreements, but as someone heavily involved in the real estate industry several years back, I can tell you that until you are divorced, you are married as far as mortgage companies go.
Laws on separation/divorce, distribution of debts/assets, and liability vary greatly from state to state. There are many mortgage agents who will not even touch someone who is going through a separation/divorce until after the divorce is final because of the potential for trouble should the situation become acrimonious. Agreements are protections, but they are not necessarily invincible.
Until the divorce is final and the property/assets/debts distributed, nothing is set in stone. They are looking after their bottom line to make sure that they don’t get caught in the crossfire should the agreement get tossed aside in court.