- Nikki James
- CrossCountry Mortgage
- NMLS ID 293138
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.
As a Veteran Mortgage Banker and Personal Finance Advisor I understand a mortgage is more than a transaction. It’s about people creating their greatest family memories in a place they call home. My career has been dedicated to guiding thousands of clients through the intricate landscape of lending, especially as it relates to divorce.
Holding the Series 65 certification, I take a comprehensive and holistic approach, recognizing that affordability is just as crucial as qualification when it comes to purchasing a home or restructuring due to a divorce.
My committed team consists of highly skilled mortgage experts who are well-versed in a wide array of lending options, including bridge loans, RSU utilization, and the complex income structures often encountered during divorce proceedings. Client education is paramount for us, and we ensure that our clients fully comprehend every facet of the mortgage process and the diverse options available. We empower our clients to move forward confidently with their financial decisions.Connect with me on social: https://www.linkedin.com/in/nikkijames/
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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.
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