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.

For more than 25 years, Lisa Fleck has built her career around helping people make thoughtful decisions about one of the largest financial components of their lives—their homes. For the past 9 years, she has brought that experience to her work as a Certified Divorce Lending Professional (CDLP®), providing specialized mortgage planning and advisory services at the intersection of divorce, real estate, financing, and long-term financial strategy.

Lisa believes the most important mortgage decisions aren't always about what someone "can" do. They're about understanding what they "should" do to support the life they're building next.

That distinction becomes particularly important during divorce.

Lisa doesn't view divorce mortgage planning as a transaction that begins once a settlement is complete. She believes experienced mortgage advice belongs much earlier in the process—while options can still be evaluated, strategies can be developed, and proposed settlement terms can be considered through the lens of their real-world mortgage implications.

Her role is not simply to identify whether a financing strategy works. It is to analyze the client's circumstances, identify potential obstacles and opportunities, evaluate available paths, and provide informed mortgage guidance that helps the client and their professional team make better decisions.

A cornerstone of Lisa's advisory process is the Divorce Mortgage Planning Report. Developed after an in-depth discovery and analysis of each client's individual circumstances, the report brings together financial and mortgage considerations that are often evaluated separately. Depending upon the client's situation, this may include mortgage qualification, potential tax implications, debt-payment strategies, equity and buyout scenarios, existing financing, and future purchase options.

The result is more than a collection of numbers. It is an organized analysis designed to make complicated information understandable, connect decisions to their potential consequences, and help transform uncertainty into a workable strategy.

For the client, the report provides a clearer understanding of what different choices could mean for housing and financial stability after divorce. For attorneys and their legal teams, it provides an organized mortgage-planning resource that can support settlement discussions, help evaluate proposed strategies, and uncover financing issues while there is still time to address them.

Lisa often describes her role as asking the mortgage questions no one realized needed to be asked—before the answers become expensive.

Her approach is advisory and education-driven, not transactional. Lisa doesn't believe her value is simply determining whether someone qualifies for a mortgage. Her value is in understanding the client's story, recognizing how the individual pieces interact, explaining the consequences and opportunities within different strategies, and helping craft solutions designed to work beyond the signing of the divorce decree.

Her experience in traditional mortgage lending, home equity strategies, and reverse mortgages further expands that perspective. It allows Lisa to consider housing not simply as an asset to be divided or a loan to be obtained, but as one component of a person's broader financial life.

After 25+ years in mortgage lending and 11 years specializing in divorce, Lisa's philosophy remains simple: when people understand their options, the consequences of those options, and what may be possible, they are better equipped to make decisions that support the life they're building next.

Where mortgage planning meets life planning—designed around your goals and vision.

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