Going through a divorce yourself? This site is the professional association. Your guidance lives on DivorceHousing.com.
Take me thereYour home is usually the largest asset in a divorce, and the mortgage attached to it is the one nobody checks until the agreement is already signed.
A settlement agreement is a legal document. A mortgage is a financial one. They do not automatically agree, and when they disagree it is discovered months later, at a lender, by the person who was awarded the house.
A Certified Divorce Lending Professional is a licensed mortgage professional who has been trained and credentialed to work that problem while the agreement is still a draft.
Can this actually be done?
Whether a refinance or a buyout will be approved under real lending guidelines, not whether it sounds reasonable at the table.
What will count?
A divorce can create several income streams. Some qualify, some do not, and how the agreement is written often decides which.
Before it is final
Most of what makes a housing outcome work can still be changed while the agreement is in draft. Very little of it can be changed afterward.
A CDLP® works alongside your attorney, not in place of one
This matters, so we will be direct about it. A CDLP® does not give legal advice, does not represent you, and does not replace your attorney or your tax professional. They work the financing question and stay inside it.
Certification also does not obligate anyone to lend to you, and no analysis can guarantee that a lender will approve a loan.
The credential is one you can check. The Divorce Lending Association grants the CDLP® designation, publishes the practice standards and code of ethics it is held to, and maintains a public national directory. A credential that cannot be lost does not mean much, so before you rely on anyone, confirm they are listed and in current standing.
Everything written for you is on DivorceHousing.com
This site sets the standards and certifies the professionals. That site is the one built for the homeowner going through it.
- What actually happens to the house
- How buyouts and refinances really work
- Budget, buyout and debt division calculators
- A guide for every state
- A free 20-minute mortgage capacity review
- How to find and vet a CDLP®
Prefer to search the register first? Find a CDLP® near you and confirm their standing before you rely on anyone.
Are you an attorney, mediator or financial professional? Our reference for family law professionals covers feasibility, liability, valuation, income, title and settlement drafting.