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.

Tiffany Cox has spent more than 30 years in the mortgage industry, and in that time she has learned that a mortgage is rarely just a mortgage. It is tied to someone's biggest life decisions, buying a first home, starting over after a divorce, or planning for retirement. She built Athena Mortgage Group around that idea, that clients deserve a lender who takes the time to explain their options and treats them like a person, not a transaction. Tiffany is a Certified Divorce Lending Professional, a certification that lets her help people who are navigating one of the hardest financial and emotional transitions of their lives. She understands the questions that come up during a divorce: can you keep the house, what counts as income, what happens to the mortgage once the settlement is final. She walks clients through those questions with clear answers and a plan they can trust, so they can move forward with confidence instead of fear. As an independent mortgage broker, Tiffany has access to a wide network of wholesale lenders, which means she is not limited to one set of programs. She can match each client to the loan that actually fits their situation, whether that is a first time home purchase, a VA loan, a refinance, or a divorce buyout. She works directly with her clients from application through closing, and she stays close with the real estate agents, divorce attorneys, and financial professionals who trust her with their clients. At the center of everything Tiffany does is education and honesty. She believes clients make their best decisions when they understand their options, even the parts that are not simple or easy to hear. Her goal is to be the advisor people call not just when they are buying a home, but whenever they need someone who understands mortgages and genuinely has their best interest at heart.

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