CDLP Difference 

How a Certified Divorce Lending Professional, CDLP®, differs from other mortgage professionals is a very common question. The simple answer is that a CDLP® has a different approach.

Because of our training, we have a different perspective of mortgages in the context of divorce that allows us to provide comprehensive and tailored strategies bridging the gap between divorce, homeownership, and financial stability for each unique situation. 

Other key differences include:


  • Specialized Expertise in Divorce Situations: A CDLP® has specialized training and expertise in the specific financial and legal challenges that arise during a divorce in the context of mortgage financing. This includes understanding how divorce settlements, spousal support, and child support affect mortgage financing.
  • Navigating Complex Income Issues: They are skilled in assessing and navigating complex income situations common in divorces, such as fluctuating spousal or child support, and how these factors impact mortgage eligibility. A CDLP® also has the insight to work with the divorce team to identify strategic maneuvers to improve client income streams.
  • Collaboration with Divorce Professionals: CDLP®s often work closely with divorce attorneys, financial advisors, and mediators to ensure that mortgage-related decisions are integrated into the divorce settlement to benefit their clients.
  • Understanding of Divorce Law and Settlement Implications: They strongly understand divorce law and how divorce decrees and settlement agreements can impact mortgage options and future eligibility.
  • Protection of Clients' Interests: A CDLP® focuses on protecting their client's long-term financial security and homeownership goals during and after the divorce process.
  • Educating Clients on Options and Risks: They educate their clients on the various mortgage options available and their potential risks and benefits, especially in divorce.
  • Refinancing and Equity Buy-Outs: CDLP®s are knowledgeable about refinancing options and equity buy-outs, which are common in divorce situations when one spouse wants to keep the marital home.
  • Customized Mortgage Solutions: They provide customized mortgage solutions that consider the unique financial circumstances that arise during a divorce, such as credit issues, dividing assets, and handling joint debts.

In summary, a Certified Divorce Lending Professional brings a specialized set of skills and knowledge to the mortgage lending process, particularly tailored to address the complexities and challenges faced by individuals going through a divorce.

How are you integrating divorce mortgage planning into your case management?