For professionals
Your client's settlement should work outside the courtroom too.
Bring mortgage feasibility into the conversation before housing terms become final. Analysis and education only — legal strategy and drafting stay with counsel.
For professionals
Your client's settlement should work outside the courtroom too.
Bring mortgage feasibility into the conversation before housing terms become final.
Family Law Attorneys
A mortgage resource who can provide lending feasibility analysis without interfering with legal advice.
- Mortgage qualification analysis
- Equity buyout feasibility
- Refinance feasibility
- Support-income mortgage analysis
- Mortgage liability education
- Existing loan review
- Future purchase qualification
- Settlement timing feedback
- Scenario comparison
Mediators
Help both sides understand financial and mortgage realities before negotiating around assumptions that may not be achievable.
- Neutral, education-first scenario review
- Feasibility of each housing option
- Realistic refinance and buyout timelines
- Plain-English explanation of mortgage liability
CDFA® / Divorce Financial Professionals
Coordinate housing costs, mortgage feasibility, available financing, equity and future housing into financial scenario planning.
- Housing cost modeling for each scenario
- Financing capacity by household
- Equity access options
- Post-divorce housing timeline
Financial Advisors
Understand whether the housing decision fits the client's post-divorce cash flow and future mortgage position.
- Cash flow impact of the housing decision
- Reserve and liquidity considerations
- Effect of asset distribution on qualification
- Future borrowing capacity
Realtors
Determine purchasing power and likely next-housing scenarios before a property is listed or a buyer begins searching.
- Pre-listing qualification review for both parties
- Next-home purchasing power
- Timing between sale and purchase
- What documentation to expect
Pre-signature review
Twelve questions worth confirming before execution
None of these require a mortgage professional to draft language. They simply confirm the intended outcome is financeable.
- 1Who receives ownership?
- 2Who remains liable for the mortgage?
- 3What is the anticipated equity buyout?
- 4How will the buyout potentially be funded?
- 5Is refinancing required?
- 6Is assumption possible?
- 7What is the deadline?
- 8Is the deadline realistic?
- 9What happens if qualification is not possible?
- 10Is there a fallback plan?
- 11Will support income be needed for qualification?
- 12Has the future housing plan been analyzed?
Written for your desk
What Attorneys Should Know About Mortgage Qualification
A short brief on where settlement terms and underwriting most often collide.
ReadDivorce Settlement Language and Mortgage Financing
Wording and timing inside the agreement can shape what financing is possible later.
ReadPlanning a Refinance Deadline in a Divorce Agreement
A deadline is only useful if it is achievable and has a defined fallback.
ReadMortgage Questions to Ask Before Signing a Divorce Settlement
Twelve questions that surface mortgage problems while they are still easy to fix.
Read
Divorce Navigation Alliance
No one professional should try to solve divorce alone.
The Divorce Navigation Alliance is an educational and collaborative ecosystem connecting family law, mediation, divorce financial planning, financial advisory, real estate and mortgage.
One decision in divorce often affects another. Better coordination can lead to better-informed decisions.
Disciplines in the ecosystem
- Family law
- Mediation
- Divorce financial planning
- Financial advisory
- Real estate
- Mortgage
TheDivorceAlliance.com is a separate educational resource. Guidance Is in Our DNA.
Answers
Working together — questions professionals ask
How does a CDLP® work with a family law attorney without interfering with legal advice?
The CDLP® provides lending feasibility analysis only: whether a proposed housing outcome can be financed, by whom, at what cost and on what timeline. Legal strategy and settlement language remain entirely with counsel.
What does a feasibility review typically include?
Mortgage qualification analysis, equity buyout feasibility, refinance and assumption feasibility, support-income treatment, mortgage liability education, existing loan review, future purchase qualification, settlement timing feedback and side-by-side scenario comparison.
How quickly can you turn around an analysis for a pending settlement?
Timing depends on the documentation available, but preliminary feedback on feasibility and deadlines is usually possible quickly. Reach out with the scenario and we'll set expectations up front.
Is there a cost to the client for an initial review?
An initial educational conversation and feasibility review is offered at no cost. It is not a loan application.
Before you decide what happens to the house, understand what happens next.
Your home, mortgage, equity, income, credit and future plans don't exist in separate boxes. Let's look at the entire picture before you make a decision that may be difficult to change later.
No-pressure conversation. Educational first.