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, Emile is 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. Her experience, training and education allows her to bring a different perspective when working with divorce clients navigating the mortgage process. Emile understands the complications that can arise and can help establish realistic timelines and strategies. She is 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. Emile is 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.
Emile Flowers is a lifelong resident of Edwardsville, IL where she not only received her high school diploma but her 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. They are proud to say that 100% of their business is referral based! In addition to managing and growing their mortgage business, they 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 she uses to help others. Emile's passion is to truly make an impact on those in need. She continues to build on this passion through new ventures and her ability to deeply connect with others.
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