Emile’s journey into the world of divorce lending began with a commitment to helping
individuals make informed financial decisions during one of the most pivotal moments of their
lives. As a CDLP®, Emile specializes in assessing the financial intricacies of divorce, including
property division, refinancing, and mortgage qualification. This specialized knowledge allows
Emile to provide tailored advice that aligns with each client’s long-term financial goals.
What sets Emile apart is not just technical proficiency but a deep-rooted dedication to client
education and empowerment. Emile’s approach is holistic, considering both the emotional and
financial well-being of clients. By offering clear, actionable insights and fostering open
communication, Emile ensures that clients feel supported and informed throughout the
process.
For anyone facing the daunting intersection of divorce and homeownership, Emile Flowers
stands out as a trusted advisor, guiding clients toward secure and equitable outcomes with
professionalism and compassion.
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The Housing Assistance Tax Act of 2008 introduced critical changes to capital gains tax rules
that significantly impact divorced spouses converting rental properties into primary
residences. Understanding these rules and their implications is essential for effective tax
planning and risk mitigation.
Divorced spouses must carefully consider the potential tax risks of selling converted properties
and employ strategic planning to minimize their tax liabilities. By engaging qualified tax
advisors, utilizing tax deferral strategies, and incorporating comprehensive provisions in
divorce settlements, individuals can navigate the complexities of capital gains tax rules and
make informed decisions about their housing and financial futures.
09 DIVORCE REAL ESTATE & MORTGAGE JOURNAL
Introducing Emile Flowers, CDLP®
Emile Flowers, a Certified Divorce Lending Professional (CDLP®), is
making significant strides in the field of divorce mortgage planning. With a
comprehensive understanding of the complexities involved in divorce and
real estate, Emile brings a unique blend of empathy and expertise to the
table, ensuring that clients navigate this challenging period with confidence
and clarity.