The Integration of Divorce Mortgage Planning with Certified Divorce Lending Professionals (CDLP®) in Family Law Case Management

Family law cases involving divorce are complex and emotionally charged, requiring meticulous attention to detail and a comprehensive approach to address various aspects of the dissolution of a marriage. One often-overlooked but critically important aspect is the marital home and mortgage financing during and after divorce. Incorporating divorce mortgage planning with a CDLP® into family law case management is an invaluable strategy that benefits both clients and family law professionals. This essay explores the compelling reasons why family law professionals should integrate divorce mortgage planning into their case management process with the assistance of CDLP®s.

Holistic Client Support:

Comprehensive Financial Consideration: Divorce mortgage planning ensures that clients receive a holistic evaluation of their financial situation. This includes an assessment of their ability to retain the marital home, secure new housing, or explore alternative options.

Minimizing Post-Divorce Pitfalls: By incorporating CDLP®s into case management, family law professionals can help clients avoid common post-divorce financial pitfalls related to mortgage decisions, such as unexpected foreclosure risks or unsustainable housing costs.

Protection of Clients' Rights:

Homeownership Preservation: Family law professionals can ensure that their clients' homeownership rights are protected. CDLP®s are experts in crafting mortgage solutions that align with divorce settlements, ensuring that clients can retain their homes when desired and feasible.

Mitigating Risk: CDLP®s can identify and mitigate financial risks associated with mortgage decisions. This includes addressing credit score implications, refinancing terms, and tax considerations that could impact clients' financial stability post-divorce.

Collaboration and Expertise:

Collaborative Approach: Integrating CDLP®s into family law case management fosters collaboration among professionals with complementary expertise. Family law attorneys, financial advisors, and CDLP®s work together to provide clients with a well-rounded approach to divorce.

Specialized Knowledge: CDLP®s bring specialized knowledge of divorce-related mortgage matters to the table. Their expertise ensures that clients receive the most accurate and up-to-date information, minimizing the risk of uninformed decisions.

Customized Solutions:

Tailored Mortgage Options: CDLP®s offer customized mortgage solutions that cater to the unique needs of divorcing clients. This includes evaluating options for refinancing, assumption of the mortgage, or creative financing arrangements based on the clients' goals and financial situations.

Long-Term Financial Planning: Family law professionals, in collaboration with CDLP®s, can assist clients in creating long-term financial plans that incorporate housing costs, mortgage terms, and budgeting strategies post-divorce.

Emotional Support:

Sensitive and Empathetic Approach: CDLP®s are experienced in dealing with the emotional challenges that divorcing individuals face. They provide a sensitive and empathetic approach, which can be reassuring and comforting during a tumultuous time.

Enhanced Client Experience: By integrating CDLP®s into the case management process, family law professionals enhance the overall client experience. Clients feel supported not only in the legal aspects of divorce but also in the financial and emotional aspects, resulting in greater client satisfaction.

Improved Outcomes:

Better Financial Outcomes: Divorce mortgage planning with CDLP®s leads to better financial outcomes for clients. It helps them make informed decisions that protect their financial future, minimize risks, and achieve greater stability post-divorce.

Reduced Litigation: Addressing mortgage-related issues proactively through divorce mortgage planning can reduce the likelihood of post-divorce disputes and litigation, saving clients time and money.


Incorporating divorce mortgage planning with CDLP®s into family law case management is a strategic decision that benefits both clients and family law professionals. It ensures that clients receive comprehensive support for their financial and housing-related needs during and after divorce. By protecting clients' homeownership rights, mitigating risks, and providing tailored solutions, this integrated approach leads to better financial outcomes and reduces the emotional and financial burdens often associated with divorce.

Family law professionals who embrace this collaborative and holistic approach are well-positioned to provide their clients with a more comprehensive and supportive divorce experience, ultimately leading to greater client satisfaction and improved long-term financial stability for those going through the challenging process of divorce.


A CDLP® Has Specialized Training

To become a CDLP®, a mortgage professional must complete a rigorous training program covering topics such as the types of property in a marriage, dividing real estate in a divorce, transferring ownership of real property, and how the mortgage interest deduction is affected by divorce. There is a certification exam required to earn the initial credential, plus four hours of continuing education that is necessary each year to maintain certification.

The CDLP® training provided by the Divorce Lending Association is unmatched in the mortgage industry. While the typical mortgage professional may believe all they need to succeed in the divorce space is a basic understanding of mortgage guidelines, a CDLP® understands the intersection of the other moving parts and is committed to providing a higher level of service to the divorcing homeowner.

Each CDLP® brings their own special skill set to the table. However, you can be confident that these mortgage professionals are well-equipped to help everyone on the divorce team understand the complications that can arise involving income, asset division, and equity as it relates to mortgage financing—and help establish a realistic timeline for clients who are eager to resolve their living arrangements as soon as possible.

Adding a CDLP® to Your Divorce Team

On the professional divorce team, each professional has their own area of expertise. For example, each spouse has their own lawyer, financial and tax professionals help evaluate the long-term effects of the settlement agreement, divorce coaches share co-parenting and mental health strategies, and child specialists focus on avoiding unnecessary disruption to the children’s routines.

A CDLP® focuses on taking a broad look at each divorce case and how family law, financial and tax planning, real property, and mortgage planning may present potential challenges and opportunities related to home equity solutions and mortgage financing opportunities. They can assist those who wish to refinance as well as those who intend to sell their current home and purchase a different property.

A CDLP® Can Work With One or Both Spouses

A CDLP® is a neutral who can provide objective information to both spouses if desired. Depending on the couple’s specific circumstances, they may gather necessary documents, compile estimated budgets, analyze data, and run hypothetical scenarios that help determine the most reasonable course of action in regard to the mortgage.

In a marriage, it is common for one spouse to take the lead in managing the couple’s finances. In a divorce, it’s crucial that both parties understand their assets, cash flow, and obligations. A CDLP® can help demystify the mortgage lending process, so each spouse is capable of making a more informed decision regarding their overall mortgage and home equity solutions.

A Proactive Approach Is Always Best

Ideally, you want to get a CDLP® involved in the divorce process as quickly as possible. If you wait until the couple has already started mediation or arbitration, you risk undoing agreements that have taken hours to develop or structuring a settlement that will prevent one party from obtaining a mortgage altogether.

While a CDLP® does not provide tax or legal advice, they are able to take a holistic look at the divorce mortgage planning process and offer guidance on solutions that can help meet the divorcing homeowner’s short-term and long-term financial and investment goals. Adding a CDLP® to the team helps your client minimize taxes and interest expenses while maximizing their post-divorce cash flow.