If one spouse wants to use the house as collateral for a personal loan during the divorce, it can be a complex and potentially contentious issue. Here are some possible considerations:

1. Consult with an attorney: Both spouses should seek legal advice to understand their rights and obligations regarding the marital property.

2. Review the divorce agreement: Check if the divorce settlement agreement or temporary orders address the use of the marital home as collateral.

3. Joint consent: Both spouses may need to provide joint consent for the loan, depending on the loan terms and the divorce agreement.

4. Court approval: In some cases, the court may need to approve the loan, especially if there are concerns about the loan's impact on the marital estate or child support.

5. Protecting the other spouse's interests: The lender may require both spouses to sign the loan documents, making them both responsible for the loan.

6. Consider alternative options: If one spouse needs a loan, they may want to explore other options, like unsecured personal loans or loans using separate assets as collateral.

7. Mediation or negotiation: Spouses may need to negotiate or mediate to reach an agreement on using the marital home as collateral, considering the potential impact on both parties and any children involved.

Remember, divorce and financing can be complex. It's crucial to seek professional legal and financial advice to ensure a fair and informed decision.