- Ken Venick
- Apex Home Loans/Division of Luminate Bank
- NMLS ID 138175
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 been a Mortgage Banker since 1987. My clients are primarily referred from Financial Advisors, Accountants and Family Law Attorneys. As a trusted advisor it is my responsibility to give their clients the best available solutions to meet their specific financial needs. With ever changing guidelines it is important to work with a mortgage professional who keeps up to date with all the changes so that clients can have a seamless process. Responsiveness is critical in the loan process as it can be a very stressful time for the client. Communication is our number one priority. Every email and phone call are responded to promptly.
I have completed my Collaborative Training; I am a member of:
Collaborative Professionals of Baltimore
Howard County Collaborative ProfessionalsI stay active in the community as a volunteer and board member of several organizations:
Financial Planners Association of Maryland
Maryland Council on Economic Education
Financial Capability CommissionConnect with us on social: https://twitter.com/ken_venick
Connect with us on social: https://www.facebook.com/ken.venick.1
Connect with us on social: https://www.linkedin.com/in/kenvenick1/
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.
Read My Latest Testimonials
“Ken and his team have been magnificent in executing my spousal buyout refinance process. Ken has been in touch with me throughout my entire divorce and he even made himself available for my attorney when it was needed. His responsiveness was exceptional any time I had a question or concern. He got me in touch with a very nice insurance agent as well. This was such a great experience after a stressful divorce. I highly recommend Ken's and his team's expertise in mortgage transactions.”
~ Krisztine L.
Divorce Client
“I am delighted to share that I was able to successfully close on my assumption. I would not have been able to do so without the resources you provided! I will save something like $200k in interest over the life of my loan. Very grateful to you and for the work that you do!”
~ Amy
Divorce Client
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