- Emile Flowers
- USA Mortgage
- NMLS ID 1256327
As a Certified Divorce Lending Professional, (CDLP®), I focus my practice on helping divorcing homeowners make a more informed decision regarding their home equity solutions and the divorce team identify any potential conflicts between the divorce settlement, the mortgage, and the real property.
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 complications that can arise 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 with regard to 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 in accordance with 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.
Connect with us on social: https://www.linkedin.com/in/emileflowers/
Connect with us on social: https://www.facebook.com/FlowersTeamUSA
Connect with us on social: https://twitter.com/SteveandEmile
Connect with us on social: https://instagram.com/theflowersteam/
Click here to schedule an appointment with me today: https://outlook.office365.com/owa/calendar/[email protected]/bookings/
How can I help you? Register for weekly divorce mortgage planning tips and newsletter; Download Divorcing Homeowner Workbook or Request More Information.
Always work with a Certified Divorce Lending Professional (CDLP®) when going through a divorce and real estate or mortgage financing is present.
This is for informational purposes only and not for the purpose of providing legal or tax advice. You should contact an attorney or tax professional to obtain legal and tax advice. Interest rates and fees are estimates provided for informational purposes only and are subject to market changes. This is not a commitment to engage in a loan transaction. All loan products and loan amounts may not be available in your area and are subject to credit and property approval pursuant to agency and investor guidelines. Information, rates and programs are subject to change without prior notice.
Copyright Divorce Lending Association. No portion of this content may be reproduced without the written consent of the Divorce Lending Association.
Company NMLS: 227262. Not a commitment to lend. Additional terms and conditions apply. DAS Acquisition Company, LLC is not affiliated with or endorsed by any government entity or agency, including USDA, HUD or VA. Headquarters: 12140 Woodcrest Executive Drive, Suite 150, St. Louis, Missouri 63141, Toll Free: (888) 250-6522. For complete licensing information visit http://www.nmlsconsumeraccess.org.
Divorce Literacy Podcast
Listen and watch my spotlight interviews on the Divorce Literacy Podcast