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-- FREE INITIAL CONSULTATION

Before you sign,

find out if the house actually pencils out.

A free 20-minute call with a Certified Divorce Lending Professional. No analysis fee, no obligation — just a direct conversation about whether your housing plan will hold up to mortgage qualification.

Book my free consult -> 20 Minutes Conducted by a CDLP® No payment required

73%

of divorce settlements that assume mortgage refinancing fail because no one verified it was possible.

Why this call exists

Settlement language doesn't guarantee mortgage approval.

Divorce attorneys negotiate the agreement. Lenders decide what's actually fundable. Those are two different conversations — and the gap between them is where settlements quietly fall apart, sometimes months after the ink dries.

i.Support income may not qualify the way you expect with lenders.

ii.Debt allocation in the settlement can quietly destroy borrowing capacity.

iii.Equity assumptions often miss what a buyout actually requires.

iv.Refinance timelines rarely match the deadlines written into the decree.

What we'll cover

A real conversation about your situation — not a sales pitch.

Twenty minutes is enough time to surface what matters. Your CDLP® will ask the right questions across four areas to identify whether your housing plan is workable, where the risks are, and what to do next.

Equity & Financial Sustainability

What the equity split really requires

How equity distribution, buyout structures, and future payment obligations shape long-term housing stability — and where the math tends to break.

Property Feasibility

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.

Income Structure

How your income reads to a lender

Employment income, support income, and other sources — and how they interact with mortgage qualification rules that don't always align with settlement assumptions.

Debt Allocation

How debt assignment moves the needle

The way settlement debt gets divided directly influences borrowing capacity and credit exposure. Most people learn this after they've already signed.

How it works

Three steps. Zero pressure.

Step 1

Request the call | Share a few details about your situation - about five minutes. We use this to match you with the right CDLP® for your circumstances.

Step 2

Talk for 20 minutes | A direct conversation with your assigned CDLP®. They'll ask focused questions and tell you, plainly, what they're seeing in your situation.

Step 3

Decide what's next | If a deeper engagement makes sense - a full Mortgage Capacity Strategy Review™ or working directly with the CDLP® - they'll explain it. If it doesn't, they'll say so.

 

— A note on timing —

The best time to have this conversation is before you sign.

Once a settlement is executed, changing housing terms gets exponentially more expensive — and sometimes impossible. A 20-minute call now can prevent the kind of mistake that takes years to unwind.

Request the Mortgage Capacity Strategy Review™

Housing decisions made during divorce often influence long-term financial stability. When settlement agreements involve real property, evaluating whether a proposed housing outcome aligns with financial feasibility can help prevent unexpected challenges later in the process.

The Mortgage Capacity Strategy Review™ provides a structured evaluation of the financial and lending considerations that may influence whether a home can realistically be retained, refinanced, or transitioned as part of a divorce settlement.

After submitting a request:

  • your request will be reviewed by the Divorce Housing Strategy team
  • a Certified Divorce Lending Professional (CDLP®) trained in Mortgage Capacity Mapping™ will be assigned
  • the assigned professional will contact you to begin the evaluation process

This process ensures that your situation is reviewed by a professional experienced in evaluating the intersection of divorce settlement structures, housing feasibility, and mortgage qualification considerations.

Request the Mortgage Capacity Strategy Review™

All evaluations are conducted by Certified Divorce Lending Professionals trained in the Mortgage Capacity Mapping™ methodology developed by the Divorce Lending Association.

Book your call

Twenty minutes with a CDLP®. At no cost.

Every consult is conducted by a Certified Divorce Lending Professional trained in the Mortgage Capacity Mapping™ methodology developed by the Divorce Lending Association. You're talking to someone who does this every day.

  • Format via Phone
  • Length ~20 minutes
  • Cost No charge
  • Conducted by a CDLP®

A note on confidentiality. Conversations with your CDLP® are kept confidential and used only to evaluate your housing and mortgage options. This consultation is for informational purposes — it is not legal, tax, or financial advice, and does not create a lender-borrower or advisory relationship. For legal or tax questions specific to your settlement, please consult your attorney or tax professional.

Start with the brief intake form. A few quick details about your situation help your CDLP® arrive at the call ready to focus on what's actually relevant to you. Once it's submitted, you'll be able to schedule your call directly.