Divorce Real Estate and Mortgage Journal January 2025

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Collaboration among divorce

professionals isn't just beneficial—it's

essential. By aligning our efforts, we

create stronger, more sustainable

solutions that empower clients to move

forward with clarity and confidence.

DIVORCE

ISSUE 25, JANUARY 2025

REAL ESTATE & MORTGAGE JOURNAL

WWW.DIVORCELENDINGASSOCIATION.COM

The Dangers of Counter-Productive

Approaches During Mediation

Breaking Barriers in Mediation

The Unique Challenges of Divorce

and Homeownership

Critical Steps of Divorcing Homeowners

The True Cost of Retaining a Low-

Interest Rate Mortgage Post-Divorce

The Hidden Costs of Keeping a Low-Interest

Rate Mortgage

04

05

THE DANGERS OF COUNTER-

PRODUCTIVE APPROACHES

DURING MEDIATION

15

DIVORCE AND CHESS: NAVIGATING

LIFE’S MOST STRATEGIC GAME

11

THE TRUE COST OF RETAINING A

LOW-INTEREST RATE MORTGAGE

POST-DIVORCE

TABLE OF

PRESIDENT’S LETTER

THE UNIQUE

CHALLENGES OF

DIVORCE AND

HOMEOWNERSHIP

08

CONTENTS

PROFESSIONAL SPOT LIGHT WITH

JASON GORDON, CDLP® AND

RHONDA NORDYCK, CDFA®

14

The Value of Working with a Certified Divorce Lending

Professional (CDLP®)

A CDLP® brings the financial knowledge and expertise of a solid

understanding of the connection between Divorce, Family Law,

Financial and Tax Planning, and mortgage planning strategies

related to real property and divorce.

A CDLP® is trained to recognize potential legal and tax

implications of mortgage planning in divorce situations.

A CDLP® is skilled in specific mortgage guidelines as they pertain

to divorcing homeowners.

A CDLP® can identify concerns with support structures that may

conflict with mortgage planning opportunities.

A CDLP® works directly with the professional divorce team to help

implement a strategic divorce settlement agreement, ensuring the

best opportunities to secure mortgage financing after the decree.

A CDLP® can recommend financing strategies that help

divorcing clients identify mortgage planning opportunities for

maintaining the current marital home while helping to ensure the

ability to achieve future financing for the vacating spouse.

A CDLP® does not give legal or tax advice.

Divorce Real Estate &

Mortgage Journal

Published by:

www.DivorceLendingAssociation.com

This for informational purposes only and

not for the purpose of providing legal or tax

advice. You should contact an attorney or

tax professional to obtain legal and tax

advice.

Copyright by

Divorce Lending Association, LLC

All rights reserved. No part of this

publication may be reproduced or

transmitted in any form or by any means,

electronic or mechanical, including

photocopying, recording, or by any

information storage or retrieval system

without the written permission from the

copyright holder.

The DLA is a national organization dedicated to bridging the gap

between the legal, financial, and emotional aspects of divorce and

the real estate and mortgage process, ensuring that divorcing

individuals have the knowledge, resources, and support they need to

secure their financial well-being and make confident decisions about

their housing needs.

What is the Divorce

Lending Association?

03 DIVORCE REAL ESTATE & MORTGAGE JOURNAL

LETTER

PRESIDENT’S

Dear Colleagues,

Divorce is a life-altering event requiring professionals across multiple disciplines—family law,

finance, tax, real estate, and mortgage—to work together. Yet, too often, the lack of collaboration

results in counterproductive outcomes, such as conflicting advice and costly delays. Each

professional plays a critical role, but without a unified strategy, clients are left to navigate

competing guidance, which hinders their ability to make sound decisions.

One key example is the decision to retain or sell the marital home. A lawyer may prioritize stability,

while a financial advisor warns of long-term risks, and the mortgage professional is brought in too

late to offer timely financing solutions. When professionals fail to collaborate, clients suffer

financially and emotionally. Early and open communication between experts is essential to achieve

the best outcomes.

As real estate and mortgage professionals, our knowledge of markets, financing options, and

underwriting guidelines is vital to shaping sustainable solutions for divorcing clients. Our impact is

greatest when we become integral divorce team members, helping clients align their housing goals

with broader financial and legal strategies. Through collaboration, we can provide clients with clear,

well-informed paths forward.

I encourage you to build and strengthen partnerships with other divorce professionals. Together, we

can reduce the stress and uncertainty of divorce by offering comprehensive, coordinated solutions.

By committing to collaboration, we enhance not only our clients' futures but also our own expertise

and professional value.

PRESIDENT & FOUNDER

04 DIVORCE REAL ESTATE & MORTGAGE JOURNAL

Divorce mediation is a delicate process that requires thoughtful collaboration and strategic planning.

Unfortunately,

counterproductive

approaches,

such

as

emotional

gridlock,

financial

misunderstandings, and unrealistic expectations, create obstacles that prevent progress and

compromise outcomes. These barriers, from emotional gridlock to financial misunderstandings, can

derail even the most promising mediation sessions.

Certified Divorce Lending Professionals (CDLPs®) offer a unique skill set to help overcome these

hurdles. With specialized training in divorce mortgage planning and many having received basic

mediation skills training, CDLPs are equipped to address financial complexities and support

productive negotiations during settlement discussions, ensuring that financial stability and mortgage

solutions remain aligned with settlement goals.

Understanding Counter-Productive Approaches in Mediation

Mediation is designed to be collaborative but can quickly become adversarial without the right

guidance. Some of the most common counter-productive behaviors include:

Emotion-Driven Decisions: When emotions take precedence over logic, divorcing couples often

make reactionary rather than strategic decisions. For example, a spouse may demand to keep the

marital home without considering affordability or eligibility for mortgage refinancing.

1.

Lack of Financial Clarity: Many divorcing couples lack an understanding of their financial

situation, particularly how it relates to mortgage qualification or property division. This leads to

unrealistic expectations and prolonged negotiations.

2.

Failure to Plan for Cash Flow Needs: Post-divorce cash flow concerns often go unaddressed during

mediation. Without evaluating future income, debts, and expenses, settlements can collapse when

financial realities surface.

3.

Overlooking Mortgage and Real Estate Implications: Mediation discussions often focus on property

division without considering the mortgage’s impact on future financial stability. This oversight can

result in denied loans, legal disputes, or unforeseen tax liabilities.

4.

THE DANGERS OF COUNTER-

PRODUCTIVE APPROACHES DURING

MEDIATION

BREAKING BARRIERS IN DIVORCE MEDIATION—HOW A CDLP® PROVIDES

FINANCIAL CLARITY AND STRATEGIC SOLUTIONS

Written by Jody Bruns, President Divorce Lending Association

05 DIVORCE REAL ESTATE & MORTGAGE JOURNAL

How a CDLP® Can Remove Mediation Barriers

Certified Divorce Lending Professionals are uniquely positioned to address

these challenges, bringing clarity and strategy to the mediation process.

Many CDLPs have received basic mediation skills training, enabling them

to support constructive conversations, reduce emotional barriers, and

promote balanced negotiations throughout the mediation and settlement

process. Here’s how:

1. Neutral Financial Analysis

CDLPs approach divorce mortgage planning with a neutral, fact-based

analysis of income, debt, and assets. This eliminates emotional bias and

allows both parties to focus on practical solutions. By providing detailed

assessments, CDLPs help mediators and clients see the full financial picture

before making long-term decisions.

2. Addressing Cash Flow Concerns

Cash flow uncertainty often creates fear and resistance during mediation.

CDLPs work to structure income—whether from employment, support

payments, or investments—to meet mortgage qualification guidelines. This

proactive approach eases concerns and builds confidence in financial

stability.

06 DIVORCE REAL ESTATE & MORTGAGE JOURNAL

True progress in

mediation begins

when we remove

barriers to

understanding—

creating space for

solutions that

honor both

perspectives and

build a stronger

path forward.

3. Collaborative Problem-Solving

Rather than treating mortgage planning as an isolated task, CDLPs collaborate with attorneys, mediators,

and financial planners to create holistic solutions. Many CDLPs leverage their mediation skills training to

help facilitate constructive conversations and balanced negotiations. This ensures alignment with legal

agreements and financial goals, reducing the likelihood of disputes.

4. Avoiding Costly Errors

Misinformation about mortgage guidelines can lead to costly mistakes, such as assuming a spouse can

refinance immediately or disregarding contingent liabilities. CDLPs offer specialized knowledge to prevent

such errors and keep negotiations on track.

Turning Obstacles into Opportunities

A CDLP’s involvement doesn’t just address challenges—it transforms them into opportunities for both

clients and mediators. By positioning themselves as trusted advisors, CDLPs empower divorcing

homeowners to make informed decisions and protect their financial futures. Their ability to simplify

complex situations and develop actionable plans makes them invaluable assets during mediation.

Key Benefits for Mediators:

Streamlined Processes: CDLPs provide pre-approved mortgage plans, reducing back-and-forth

negotiations and accelerating timelines.

Enhanced Client Confidence: Clients are more willing to compromise when they clearly understand

their financial options.

Reduced Liability: Mediators avoid overlooking critical financial issues, safeguarding settlements

from collapse.

For mediators, partnering with a CDLP® means gaining a strategic ally who enhances the process and

ensures settlements are built on a strong financial foundation. For clients, it means gaining peace of mind

and financial clarity during an otherwise overwhelming time.

Counter-productive approaches in mediation don’t just delay outcomes—they jeopardize financial

stability and long-term success. By integrating a Certified Divorce Lending Professional into the process,

mediators can streamline negotiations, address financial challenges with confidence, and keep discussions

focused on strategic solutions. CDLPs’ unique expertise ensures that settlements are built on sound

financial strategies, avoiding costly errors and delays. Mediators can eliminate barriers, provide greater

clarity, and foster collaborative solutions. CDLPs and Divorce Mortgage Planning represent a profession,

not a niche, bringing knowledge, solutions, and stability to the mediation process.

Many CDLPs have received basic mediation skills training to enhance further their role in supporting

productive discussions and settlement agreements. CDLPs not only offer support during mediation but

also offer specialized training and an approach to strategic solutions, which are important aspects of all

negotiations and settlements of divorce. As divorce professionals, CDLPs deliver far more than mortgage

approvals—they provide strategies that guide clients toward financial security and a sustainable future.

07 DIVORCE REAL ESTATE & MORTGAGE JOURNAL

Every obstacle in divorce mediation holds the potential to become an opportunity

—when approached with clarity, collaboration, and a focus on future stability.

THE UNIQUE CHALLENGES OF DIVORCE AND

HOMEOWNERSHIP

For divorcing homeowners, the decision surrounding the marital home involves more than just finances. It’s

about ensuring stability for children, preserving a sense of normalcy, or even achieving a clean break to start

anew. However, these emotional considerations must align with financial realities, legal agreements, and

future goals. The intersection of these factors can create a maze that’s difficult to navigate without

specialized guidance.

One of the most significant challenges is understanding how divorce impacts mortgage financing. Questions

often arise, such as:

How will alimony or child support payments affect mortgage qualification?

What are the implications of dividing property equity?

Can one spouse afford to refinance the home to remove the other’s name from the mortgage?

How can a new home purchase be structured to fit within post-divorce financial constraints?

These questions require a strategic approach that expands beyond traditional mortgage parameters,

considering mortgage guidelines, divorce settlements, and long-term financial planning.

Here’s why working with a CDLP® is critical for divorcing homeowners:

1. Strategic Mortgage Planning

CDLPs excel at analyzing how divorce agreements affect mortgage qualifications. For instance, they

understand how to structure alimony and child support payments to meet underwriting guidelines. This is

particularly important for individuals relying on these payments as income to qualify for a mortgage.

08 DIVORCE REAL ESTATE & MORTGAGE JOURNAL

“The marital home isn’t just bricks and mortar; it’s the

foundation of memories, stability, and a sense of

identity.” This sentiment rings true for many divorcing

homeowners as they face one of the most emotionally

charged aspects of their separation—deciding what

happens to the family home. Whether the goal is to retain

the marital home or purchase a new property post-

divorce, the process is riddled with complexities that

extend beyond traditional real estate transactions. This is

where a Certified Divorce Lending Professional

(CDLP®) becomes an invaluable ally.

2. Equity Buyout Solutions

Retaining the marital home often involves an equity buyout—a process where one spouse refinances the

home to pay the other their share of the property’s equity. A CDLP® can structure this financing to ensure

it’s affordable and complies with divorce agreements, preserving stability for the spouse and any children

remaining in the home.

3. New Home Purchases

For those looking to start fresh with a new home, a CDLP® can help navigate post-divorce finances,

ensuring that the purchase is sustainable within the new financial landscape. They consider everything from

credit score adjustments to debt-to-income ratios to create a feasible plan.

4. Collaborative Approach

A CDLP® works as part of the divorce team, collaborating with legal and financial professionals to ensure

the mortgage solution integrates seamlessly into the overall settlement. This prevents unforeseen issues, such

as a settlement agreement that inadvertently disqualifies a spouse from securing financing.

Real-Life Impact: A Case Study

Consider Sarah, a divorcing mother of two who wanted to keep the marital home to maintain stability for

her children. Her initial consultation with a traditional lender left her feeling overwhelmed and uncertain.

However, after connecting with a CDLP®, Sarah discovered that her alimony payments could be structured

to qualify as income under mortgage guidelines. The CDLP® worked with her attorney to adjust the divorce

agreement and structured an equity buyout that allowed Sarah to refinance the home while meeting her long-

term financial goals. The result? Sarah retained her home, secured her children’s stability, and gained peace

of mind.

The role of a CDLP® goes beyond simply securing a mortgage. They act as a strategic partner, ensuring that

divorcing homeowners make informed decisions about one of their divorce's most significant financial

aspects. Their expertise reduces stress, prevents costly mistakes, and provides clarity in uncertain times.

CRITICAL STEPS FOR DIVORCING HOMEOWNERS

09 DIVORCE REAL ESTATE & MORTGAGE JOURNAL

Prioritizing expertise ensures that every decision is guided by a solid foundation of

knowledge and experience. This not only paves the way for informed choices but

also cultivates trust among all parties involved, enhances clarity in complex

situations, and ultimately leads to sustainable success and peace of mind.

INTRODUCING

REM-S™ CERTIFICATION

Involving an REM-S in mediation

enhances negotiations with specialized

real estate and divorce mortgage

planning expertise. Their insights

streamline complex financial

discussions, ensuring strategic property

divisions and sustainable mortgage

solutions. This comprehensive support

leads to more informed decisions and

improved outcomes for all parties

involved in the divorce process.

10 DIVORCE REAL ESTATE & MORTGAGE JOURNAL

Incorporating an REM-S (Real Estate Mediation Specialist) with expertise in divorce real estate and mortgage

planning can significantly enhance the mediation process, offering profound insights and fostering more

informed negotiations. Divorce proceedings often involve complex financial and property-related decisions that

require a deep understanding of real estate and mortgage intricacies. An REM-S brings a unique skill set that

bridges the gap between legal, financial, and emotional aspects of divorce.

By integrating an REM-S into the mediation process, parties gain access to specialized knowledge that ensures

all real estate and mortgage considerations are thoroughly evaluated. This includes understanding the true

value of marital properties, assessing the implications of mortgage obligations, and exploring options for

equitable distribution. An REM-S can provide clarity on potential outcomes, helping both parties understand

the long-term financial impact of their decisions.

Moreover, an REM-S can offer creative solutions tailored to the unique circumstances of each case. Their

expertise in divorce mortgage planning allows them to propose strategies that maintain financial stability for

both parties, such as refinancing options or buyout agreements that align with individual financial goals.

The involvement of an REM-S ultimately leads to more balanced and informed negotiations, reducing the

likelihood of disputes and fostering a cooperative environment. This holistic approach not only expedites the

resolution process but also ensures that both parties emerge with a fair and sustainable financial agreement,

paving the way for a smoother transition post-divorce.

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