What do I do for your clients?
I handle the home-financing questions that come up in a divorce: refinancing to remove one spouse from the mortgage, an equity buyout of the marital home, and whether a client can carry the home on their own. I explain the realistic options in plain terms and coordinate with the timeline you are working to.
Why work with me?
The CDLP training plus real responsiveness. I understand how divorce-specific income and timing issues interact with lending, I communicate clearly with the client and the team, and I am a calm, steady resource during a hard process. I will tell clients honestly what is and is not workable, early, rather than late.
What is a CDLP, and how do you support the team?
A Certified Divorce Lending Professional is a lending specialty credential focused on the mortgage issues that arise in divorce. It is not a legal or tax designation, and nothing I provide is legal or tax advice. I work alongside the attorney, mediator, and any divorce financial analyst as the lending resource on the home questions.
How do support income and timing affect the mortgage?
Alimony and child support can count as qualifying income, subject to continuance and seasoning considerations: generally how long it has been received and how long it will continue. Timing relative to the decree matters, and so does how the buyout or refinance is written. I can flag these early so the agreement and the financing line up instead of conflicting.
How do we work together?
Bring me in early. Refer a client with a home question, or loop me into the team when the marital home is in play, and I will lay out the realistic financing options. There is no arrangement and nothing exchanged, just a specialist resource for your clients. The easiest start is a quick call.
Related: Working with divorce professionals: the mortgage side, Refinancing options
Frequently asked questions
About the author
Niko Kramer, Mortgage Loan Officer, Satori Mortgage, NMLS #2180891
This page is education and positioning for professionals, not an offer to lend, a commitment to make a loan, or a quote of any rate, payment, or term. It is not a referral, co-marketing, or fee arrangement of any kind, and nothing of value is offered or accepted for referrals. Figures, where mentioned, are estimates. Not all applicants will qualify, and all loans are subject to credit and property approval. Niko Kramer, Mortgage Loan Officer, Satori Mortgage, NMLS #2180891. Company NMLS #4190. Equal Housing Opportunity.