Bring the mortgage questions into the divorce conversation early.
Helping homeowners, attorneys, mediators, and financial professionals evaluate the proposed housing plan before the settlement is finalized.
A proposed agreement needs a workable financing path.
A home decision involves more than its value. It also involves the existing mortgage, available funds, potential income documentation, ownership, timing, and the needs of both homeowners.
As a Certified Divorce Lending Professional (CDLP®), I help identify the mortgage questions and potential conflicts that deserve review while the team is still considering options.
View Troy’s Divorce Lending Association profile- Retaining the family homeEvaluate the proposed financing and the homeowner’s ongoing housing costs.
- Equity buyout optionsReview potential funding paths and questions about cash needed to complete the plan.
- Refinancing & assumptionsInvestigate availability, qualification, timing, and release-of-liability questions.
- A future home purchaseCoordinate the next housing plan with the proposed settlement and timeline.
For attorneys, mediators & financial professionalsWith the client’s authorization, I collaborate with the divorce team to clarify mortgage feasibility and communicate potential obstacles. A Divorce Mortgage Planning and Real Property Report (DMPR) can bring the property and mortgage questions into one planning discussion. Contact me to discuss the scope for a particular case.
Discuss a divorce planning caseResources for your family—and your next chapter.
Explore books for children and parents, articles from divorce professionals, collaborative divorce education, and practical housing questions.
When should we talk?
As early as possible when the home or future mortgage financing is part of the negotiations. If proposals change, the financing analysis may need to change too.
Mortgage planning is not legal or tax advice, a loan approval, or a guarantee that a proposed settlement can be financed. Your legal and financial professionals retain their respective roles.
Read the home retention planning article