Don't sign a settlement until you know what the lender will actually approve.
A free Mortgage Capacity Strategy Review™ matches you with a Certified Divorce Lending Professional (CDLP®) who evaluates whether the home can realistically be retained, refinanced, or transitioned — before the math gets locked into a court order. No cost. No obligation.
You're not getting bad advice. You're getting it from rooms that don't talk to each other.
Most divorcing homeowners don't realize how the home actually gets divided until it's too late to change course. Three different professionals make three different calls about your house — and they almost never sit at the same table.
That third evaluation usually happens last — and that's how settlements get signed that the lender then says no to. That's how "I'm keeping the house" turns into "I have to sell the house" six months later.
We bring the lender evaluation to the front of the process, where it can still influence what gets written into the settlement.
Three steps. Real evaluation. No charge.
The Mortgage Capacity Strategy Review™ is a real evaluation by a real CDLP® — not an automated quote, not a generic calculator, not a sales pitch.
Submit your request
Tell us a little about your situation — your state, your home, where you are in the process. The form takes a couple of minutes. No payment, no application.
Get matched with a CDLP®
The Divorce Housing Strategy team reviews your request and assigns a Certified Divorce Lending Professional trained in Mortgage Capacity Mapping™. Your CDLP® reaches out directly to begin the evaluation.
Walk through the evaluation
Your CDLP® works with you to evaluate your situation against actual lending realities — equity, income, debt allocation, and property feasibility. You leave the conversation with clarity, not assumptions.
The four areas where divorce settlements actually break.
The Mortgage Capacity Strategy Review™ looks at the specific financial and lending considerations that determine whether a housing decision will hold up — and where the math typically goes wrong.
What the equity split really requires
How equity distribution, buyout structures, and future payment obligations shape long-term housing stability.
Keep, refinance, or sell the house
An honest read on whether the home should realistically be retained — and what each path looks like on the other side of the decree.
How your income reads to a lender
Employment income, support income, and other sources — and how lenders treat them in the qualification process.
How debt assignment moves the needle
How settlement debt directly influences borrowing capacity and credit exposure — usually learned after the agreement is signed.
What this is. What this isn't.
A free evaluation only works if you know exactly what you're getting and what you're not.
What this is
- ✓A free evaluation by a Certified Divorce Lending Professional
- ✓Coordinated with your attorney, mediator, or financial advisor
- ✓State-specific, because lender rules and divorce law vary
- ✓Backed by the Divorce Lending Association
What this isn't
- ✕A loan application
- ✕A sales pitch for a mortgage
- ✕A replacement for your attorney
- ✕A Divorce Mortgage Planning Report™ — that's part of a more extensive evaluation
- ✕A push to make a decision today
A Certified Divorce Lending Professional — not a generic loan officer.
A CDLP® is specifically trained in the intersection of divorce settlement structures, mortgage qualification, and real property considerations. They understand community property versus equitable distribution, owelty liens, homestead exemptions, the math behind a buyout, and the lender side of loan assumption — the things a typical loan officer doesn't deal with.
The CDLP® credential
Issued and maintained by the Divorce Lending Association — the national professional body that sets the standard of care for divorce mortgage planning. Every CDLP® in the network has to keep current with continuing education to stay credentialed.
Divorcehousing.com is a division of the Divorce Lending Association, a CDLP® led resource.
The Divorce Housing Strategy Roadmap™
Not ready to talk to anyone yet? The Roadmap is a self-guided alternative — the same lending-reality lens, applied at your own pace.
A 60-minute self-guided audio framework
On-demand, structured, and built to help you evaluate your real housing options under actual lending rules — before any settlement decision becomes permanent. Created by Jody Bruns, founder of the Divorce Lending Association and the architect of the CDLP® designation.
- Immediate access — listen and plan at your own pace
- Structured framework that prevents costly mistakes before they happen
- Designed for people who want to think it through privately first
- 7-day risk-free guarantee — full refund, no questions asked
A different starting point for a different kind of person — the one who likes to think through big decisions before bringing in a professional.
What people ask before they request the review.
Is the Mortgage Capacity Strategy Review™ really free?
Yes. There is no cost. No fee, no obligation, no loan application required.
What happens after I submit my request?
Your request is reviewed by the Divorce Housing Strategy team. A CDLP® trained in Mortgage Capacity Mapping™ is matched to your situation and state. The assigned professional then reaches out directly to begin the evaluation.
Are you replacing my attorney?
No. A CDLP® works alongside your attorney, mediator, and financial advisor — not in place of them. The evaluation gives you information you can take back to your existing team.
Are you trying to sell me a mortgage?
No. The Mortgage Capacity Strategy Review™ is about evaluating what's possible across every option — including selling the home. The goal is clarity, not a transaction.
What information do I need to provide?
Basic information about your situation — your state, your home, rough income and debt figures, and where you are in the divorce process. Your assigned CDLP® will guide you on anything additional needed for the evaluation.
What if I'm not ready to talk to anyone yet?
The Divorce Housing Strategy Roadmap™ is a $47 self-guided 60-minute audio framework that walks you through the same lending-reality lens on your own time, with a 7-day money-back guarantee. It's a solo alternative to the CDLP®-led review.