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.

With nearly 10 years of experience as a Realtor and 25 years in mortgage lending, Penny Charlson brings both deep industry knowledge and a personal, caring approach to every client relationship. As a Certified Divorce Lending Professional, she understands that home financing can be especially complex during major life transitions, and she is passionate about helping clients and their Attorneys navigate those moments with clarity and confidence.

The CDLP® business allows Penny to participate as a true advocate for your best interests.