John Marroni
Certified Divorce Lending Professional (CDLP®)

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.

I have assisted many clients who have faced the challenge of mortgage financing after divorce.

Among some of these challenges:

• Income vs. qualified income
• Contingent Liabilities
• Equity buyouts

Prior to becoming a Mortgage Advisor, I was an Engineer for 8 years. When I left engineering to go into the mortgage industry, I was amazed how the mortgage industry took something as simple as lending money and made it extremely complicated. I have always taken a very simplistic approach while helping thousands of families with their mortgage finance options.

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