Divorce Lending Institute - a professional organization supporting mortgage in the divorce market
The Divorce Lending Institute is dedicated to providing education and support for mortgage professionals working in the divorce market ensuring divorcing clients are given appropriate direction regarding mortgage financing when divorce and real estate are present.
Certified Divorce Lending Professionals (CDLP) are able to identify appropriate mortgage financing and real estate strategies for divorcing clients while being able to identify potential hurdles or opportunities with regards to real estate financing and potential tax or legal concerns as they pertain to real estate and divorce.
Build Credibility and Differentiate Yourself in the Field by demonstrating a deeper knowledge and commitment to working with divorcing clients, divorce attorneys, financial planners and other divorce professionals.
Why you need a Certified Divorce Lending Professional
on your professional divorce team.
A professional divorce team has a range of team players including the attorney, financial planner, accountant, appraiser, mediator and yes, a divorce lending and real estate professional. Every team member has a significant role ensuring the divorcing client is set to succeed post decree.
A Certified Divorce Lending Professional brings the financial knowledge and expertise of a solid understanding of the connection between Divorce and Family Law, IRS Tax Rules, Real Estate and mortgage financing strategies as they all relate to real estate and divorce. Having a CDLP on your professional divorce team can provide you the benefit of:
A CDLP is trained to recognize potential legal and tax implications with regards to mortgage financing in divorce situations.
A CDLP is skilled in specific mortgage guidelines as they pertain to divorcing clients.
A CDLP is able to identify potential concerns with support/maintenance structures that may conflict with mortgage financing opportunities.
A CDLP can guide you on how to avoid potential capital gains concerns with regards to the disposition of marital real estate.
A CDLP can help you implement a strategic divorce settlement agreement ensuring the best opportunities to secure mortgage financing post decree.
A CDLP is able to recommend financing strategies helping divorcing clients identify mortgage financing opportunities for maintaining the current marital home while helping to ensure the ability to achieve future financing for departing spouse.
A CDLP is qualified to work with divorce professionals in a collaborative setting.
A CDLP can provide opportunities in restructuring a real estate portfolio to increase available cash flow when needed.
A CDLP maintains a commitment to remaining educated and up to date in the ever changing industry guidelines and tax rules as they pertain to divorce situations.
A CDLP is committed to providing a higher level of service to you and your divorcing clients.
“Nothing matters more in winning than getting the right people on the field. All the clever strategies and advanced technologies in the world are nowhere near as effective without great people to put them to work.” - Jack Welch, Winning
CDLP's Responsibilities and the Team Approach
The ultimate goal is to always best meet the needs of the divorcing client. In over 70% of all divorces in the United States real estate is involved and most often, so is the need for mortgage financing. Due to the unique mortgage financing requirements that divorcing clients often face, the Certified Divorce Lending Professional (CDLP) professional designation was created.
The role of the CDLP is to help not only the divorcing client but the attorney and financial planner understand the opportunities available as well as the challenges divorce can bring to mortgage financing during and after the divorce. When the CDLP is involved during the divorce process and not after the fact, many potential financing struggles can be avoided with valuable and educated input from the Certified Divorce Lending Professional.
The CDLP understands their role is not to provide legal or tax advice. Their role on the professional divorce team is to help by providing insight on mortgage financing opportunities and recognize potential legal or tax concerns that may arise in any given circumstance while bringing these concerns or opportunities to the attention of other team members.