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 Certified Divorce Lending Professional, I focus my mortgage practice on helping divorcing homeowners make a more informed decision regarding home equity & real property, 
Working directly with the divorce team as a CDLP® we incorporate the Divorce Mortgage Planning into the overall process with a unique and solid understanding of the interaction of family law, financial and tax planning, real property, and mortgage planning.
We provide a extensive and detailed Property Report that assist the divorce attorneys with the case file.

Being a divorcee myself I have personal knowledge on what couples are going through.
My name is Racheli Refael, I'm a Divorce Mortgage Planner holding several certifications and designation.
•    CDLP® – Certified Divorce Lending Professional by the Divorce Lending Association 
•    CDS – Certified Divorce Specialist -by the NADP National Association of Divorce Professionals.
•    RCS-D Designee. RCS-D which stands for Real Estate Collaboration Specialist- Divorce. 
        I was trained by Professor Kelly Murray with degrees from Stanford University and Harvard Law School.

The goal is to preserve Home Ownership Eligibility, and protect the credit.

Love the opportunity to see how we can collaborate.
My Best, Racheli

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