As a Certified Divorce Lending Professional, my practice is Divorce Mortgage Planning. This is not a loan product or a mortgage application. It is the analysis that sits underneath the property and debt decisions in a divorce: what the equity solutions actually are for each party, whether the proposed settlement will support financing once the decree is entered, how support, timing, and title language affect qualification, and where the settlement, the mortgage, and the real property contradict one another. I bring that analysis to the divorce team while the terms are still open, because after the agreement is signed, the language is what everyone has to live with, and financing has to conform to it rather than the other way around.

Serving the Greater St. Louis area, including Edwardsville and Glen Carbon areas, I am a valuable resource to Family Law Attorneys and their clients to provide financing strategies to successfully separate from the mortgage before, during, and after divorce. My experience, training, and education allow me to bring a different perspective when working with divorce clients navigating the mortgage process. I understand the potential complications and can help establish realistic timelines and strategies. I am best able to assist in the early planning stages of the divorce process for successful outcomes concerning real estate and mortgage financing. Being able to plan a new future with certainty should be the ultimate goal for all clients. Let me be the resource that can help pave the way.

Expertise & Specialties Include:

  • Overcoming challenges that arise while divorcing the mortgage (Ex. asset division, equity distribution, etc.)
  • Early planning to ensure mortgage financing is attainable per the Divorce Separation Agreement
  • Income vs Qualified Income and unique ways to resolve this potential pitfall
  • Coinciding the Mortgage Needs with the Goals & Expectations of the Client
  • Helping Divorcing Couples Transition to a New Life
  • Clear & Concise Communication

NMLS ID: 1256327, COMPANY NMLS ID: 227262 (www.nmlsconsumeraccess.org) Equal Housing Opportunity.

I am a lifelong resident of Edwardsville, IL where I not only received my high school diploma but my Bachelor's Degree in Business Administration with a specialization in Marketing at Southern Illinois University at Edwardsville (SIUE). The Flowers Team works for USA Mortgage, a St. Louis based company, and they manage the Edwardsville, IL branch. We are proud to say that 100% of their business is referral based! In addition to managing and growing our mortgage business, we founded a non-profit organization called Divorce Team of IL. They organize education and industry professionals surrounding divorce for Family Law Attorneys and Divorcing Couples. Guidance and education are the core principles I use to help others. My passion is to truly make an impact on those in need. I continue to build on this passion through new ventures and my ability to deeply connect with others. 

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Click here to schedule an appointment with me today: https://outlook.office365.com/owa/calendar/USAMortgageEmileFlowers@usa-mortgage.com/bookings/