CDLP Divorce Team

Your perspective is how you see something regarding situations or topics, the appearance of things relative to one another.

Multiple perspectives are crucial to gain a complete understanding of a situation. For example, in divorce, different views on different topics can affect the divorcing spouses in different ways—either positively or negatively.

Take the following questions, for example:

How would you calculate spousal support when the paying spouse has fluctuating income or an irregular pay schedule?

How would you handle spousal support vs. a lump sum payout?

How do you evaluate the home equity, the home equity solutions, and options available?

Your perspective or solution to these questions may satisfy the parties during the settlement process; however, the answer  may negatively affect either party when obtaining mortgage financing.

  • Collaborating with the right team players results in different perspectives and better solutions!
  • Make More Informed Decisions on Home Equity Solutions
  • There are three ways to divide the marital home: equity buy-out, selling the home and dividing the net proceeds, or holding the property and selling later.

A marital settlement agreement may state that one party retains the marital home and refinance the existing mortgage. Still, a court cannot dictate which type of mortgage financing is available, if at all.

Home equity solutions reach beyond the disposition of real property.

Incorporating divorce mortgage planning into the settlement process results in a more positive outcome for both spouses and their families.

Divorce mortgage planning is the process of evaluating mortgage options in the context of the overall financial objectives of the divorcing couple.

  • Improving cash flow and retirement income.
  • Identifying strategic financing opportunities.
  • Mitigating potential capital gains taxes.
  • Protecting the mortgage interest deduction.
  • Increasing qualified income through collaboration.

What makes a successful divorce?

A successful divorce settlement is a result of putting the puzzle pieces together, so both divorcing spouses come out of the divorce whole again or at least on the road to recovery. But how do you get there?

By having a solid divorce team, for starters.

The marital home and mortgage financing concerns are often a touchy subject in divorce. Particularly when one spouse is dependent upon income awarded from the divorce for mortgage qualifying purposes or when a court-ordered assignment of debt is present, such as a jointly held mortgage on the marital home.

The background knowledge of each team member brings value, different perspectives, and better solutions.

“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



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