THE ORIGINAL DIVORCE HOUSING STRATEGY PLATFORM  ·  EST. 2011

Refer a client before the settlement language is final.

When the house is part of a settlement, the mortgage question is usually answered last and assumed rather than tested. We put a Certified Divorce Lending Professional licensed in your client's state on it while the terms can still change.

What happens after you send it

Three steps, and the first one is the part most referral networks get wrong.

• We match the state, not just the map

  Your client is matched with a CDLP® licensed to originate where the mortgage would actually be written. Divorce mortgage planning is not limited by state, but origination is.

• They speak with your client directly

  Usually within one business day. The first conversation is at no cost and commits no one to anything.

• You get the analysis back

  In time to shape the settlement language rather than react to it.

What comes back to you

The Divorce Mortgage Planning Report™, a structured analysis used in mediation, drafting and litigation. It answers the questions a settlement usually assumes.

• Whether the spouse keeping the home can actually qualify to refinance, and on what income.
• What the buyout costs in practice, including timing and rate exposure.
• How the proposed debt allocation changes qualification for both parties.
• Which deadlines in the draft are achievable, and which will fail in execution.

If the loan on the home is FHA or VA, that analysis also covers whether an assumption is possible, and whether a release of liability is actually in the draft or merely assumed. That distinction decides whether your client is released from the debt at all.

We also teach this. To attorneys, mediators, financial neutrals and judges.

This is not a marketing position. It is the subject of The Alignment Series™, the Divorce Lending Association's continuing education program, accredited across four professions and approved for CLE by multiple state bar associations.

How the credit works

• Tier 1. Pre-approved CLE, CME, CE or CJE. Nothing for you to apply for.
• Tier 2. Eligible for self-application in jurisdictions where the session is not pre-approved.
• Tier 3. Professional education, carrying no formal credit.

Sessions are delivered live and online, with recordings available to those registered. The calendar, credit type and fee for each session are listed on the association's site.