Marc Edelstein-Ross Mortgage - NMLS 533706

Marc Edelstein-Ross Mortgage - NMLS 533706 Marc Edelstein is powered by Ross Mortgage NMLS 107716. Ross Mortgage is an Equal Housing Lender Just like you may specialize in family law, I do as well.

My name is Marc Edelstein and I currently reside in West Bloomfield MI, with my wife, Carin, and our two children Dana and Eli. I enjoy hanging out on the lake, golfing poorly, partially reading several books, and spending as much time with my family as possible. Dedicated Mortgage Veteran & Certified Divorce Lending Professional

With 23 years of dedicated service in the mortgage industry, I brin

g a wealth of experience and a genuine passion for assisting individuals and families in navigating the intricate financial aspects of divorce. As a Certified Divorce Lending Professional, my focus is on providing knowledge, education, and compassionate support to those undergoing or contemplating divorce. Empowering Families Through Divorce

Divorce is a transformative journey, and my mission is to empower individuals and families with the financial insights needed to make informed decisions and provide solutions regarding the equity in their home. Whether you're contemplating divorce or already immersed in the process, my commitment is to offer guidance with empathy and clarity. Certified Divorce Lending Professional (CDLP)

Continuing education is a cornerstone of my business and having earned the certification as a Divorce Lending Professional in 2017, I bring a specialized skill set to the table. Beyond numbers and transactions, I understand the emotional and financial intricacies inherent in family law matters. I am not just your average loan office looking for referrals., this is my specialty and passion. Veteran Advocate & VA Home Loan Advocate

A staunch advocate for veterans and Veteran Mortgage Advisor, I take pride in debunking myths surrounding VA home loans. I aim to ensure that our veterans access the housing benefits they rightfully deserve. Let's work together to break down barriers and provide valuable support to those who have served our nation. Collaboration with Family Law Professionals

I value collaboration with family law professionals, including attorneys, CDFA's, and mediators. By working together, we can seamlessly integrate financial expertise into the divorce process, ensuring clients receive comprehensive support on both legal and financial fronts. Let's Connect and Collaborate! Whether you're a family law professional seeking to learn more about Divorce Mortgage Planning or an individual navigating the complexities of divorce, I'm here to connect, share insights, and collaborate for the benefit of our shared clients. Let's embark on a journey of support, education, and empowerment. From first-time buyers to sophisticated borrowers, purchasing your first home or refinancing your current home, I bring my diverse lending background to you as a consultant and team player. Thanks for visiting my page and I look forward to the opportunity to serve you.

Most people don't realize a divorce decree can quietly disqualify them from the very mortgage they're counting on.Suppor...
06/09/2026

Most people don't realize a divorce decree can quietly disqualify them from the very mortgage they're counting on.

Support income that hasn't seasoned. An equity buyout structured the wrong way. A settlement that looks fair on paper but falls apart at the closing table.

As a Certified Divorce Lending Professional (CDLP®), this is exactly what I'm trained to catch — and prevent. I work where family law, tax, and mortgage financing intersect, so the plan holds up long after the ink dries.

Education is the strategy. If you're facing a mortgage decision in divorce, let's talk before the terms are final.

As a Certified Divorce Lending Professional (CDLP®), I’ve seen firsthand the difference it makes when divorce profession...
06/06/2026

As a Certified Divorce Lending Professional (CDLP®), I’ve seen firsthand the difference it makes when divorce professionals partner with someone who understands the intricacies of divorce mortgage planning. Divorce is complex, and ensuring that your client’s mortgage aligns with their financial settlement is critical to their long-term success.

Working with a CDLP® means you’re bringing in a mortgage expert who is specifically trained to collaborate with the entire divorce team—whether you're a divorce attorney, mediator, or financial advisor. We go beyond just originating a loan; we help create a strategic mortgage plan that supports your client’s needs today and in the future.

If you’re not already working with a CDLP®, this article explains why it’s essential for your clients and how we can make the process smoother for everyone involved.

Read more here: https://divorcebriefings.com/3UepI5W

CDLP® is more than a credential. It defines a higher standard of care in divorce lending.Divorce settlements that involv...
06/04/2026

CDLP® is more than a credential. It defines a higher standard of care in divorce lending.

Divorce settlements that involve real property must be grounded in lending reality. Housing terms should be tested against current mortgage guidelines before they are finalized—not after. When feasibility is overlooked, settlements can unravel during underwriting, creating unnecessary delays, denials, and financial stress for clients.

As a Certified Divorce Lending Professional (CDLP®), I provide strategic mortgage analysis and settlement-ready insight so divorce professionals and homeowners understand what outcomes are actually sustainable and financeable in the real world.

If your work—or your life—intersects with divorce and real property, this perspective is essential.

Read the full article here:
https://divorcebriefings.com/4j0uajF

As a CDLP®, I help bridge the gap between divorce agreements and financial reality.Mediators focus on communication and ...
06/02/2026

As a CDLP®, I help bridge the gap between divorce agreements and financial reality.

Mediators focus on communication and solutions. Attorneys focus on legal protection. I focus on whether the decisions made about the marital home and mortgage can actually happen.

That’s why I provide the Divorce Mortgage Planning and Real Property Report – ensuring clients leave mediation with a plan they can truly follow through on.

Discover more by reading this blog article: https://divorcebriefings.com/4lEjzuY

If you’re a mediator or attorney, let’s talk about how I can support your clients with clarity and confidence.

Decisions about the marital home must be based on lending facts—not assumptions.Long before a divorce settlement is fina...
05/30/2026

Decisions about the marital home must be based on lending facts—not assumptions.
Long before a divorce settlement is finalized, every housing-related term needs to be tested against current mortgage guidelines. If not, agreements can become unworkable, causing delays, denials, or outcomes no one intended.

As a Certified Divorce Lending Professional (CDLP®), I provide the lending analysis necessary to determine:
✔️ Whether either party can qualify to keep or refinance the home
✔️ How income must be structured to meet underwriting standards
✔️ The impact of debt division on mortgage approval
✔️ Whether a buyout is financially achievable
✔️ Realistic refinancing timelines
✔️ Title and vesting requirements lenders must follow

A settlement is only “ready” when it can be executed in real life.
If your divorce cases involve real property, involve a CDLP® early to ensure the strategy aligns with lending guidelines—not guesswork.

If you’d like support reviewing housing options or structuring a settlement that works in practice, let’s connect.

The Hidden Cost of Waiting Another Year to Buy!A lot of people are waiting for the "perfect time" to buy a home.The prob...
05/29/2026

The Hidden Cost of Waiting Another Year to Buy!

A lot of people are waiting for the "perfect time" to buy a home.

The problem? That perfect time may never come.

Let's look at what waiting one more year could actually cost.

The median rent in the United States is approximately $1,950 per month.

That's: $1,950 × 12 months = $23,400

At the end of the year, that money is gone.

No equity. No appreciation. No tax benefits.

Using that same $23,400. Now let's compare that to purchasing a $350,000 home with 5% down.

In the first year alone, a homeowner could potentially benefit from:
• Approximately $5,200 in principal reduction
• Roughly $3,000 to $5,000 in potential tax benefits
• About $7,000 in appreciation with just 2% home value growth

That's a wealth-building difference of nearly $40,000 compared to renting.

And that's using conservative numbers.

The biggest mistake I see isn't people buying too soon.

It's people waiting for years without ever running the numbers.

The cost of waiting isn't just emotional. It's measurable.

If you're thinking about buying, let's have a conversation and look at the numbers together.

Even if the answer is to wait, make that decision based on facts, not headlines or assumptions.

A quiet truth about divorce settlements:The largest asset on the marital balance sheet is almost always the home. And th...
05/26/2026

A quiet truth about divorce settlements:

The largest asset on the marital balance sheet is almost always the home. And the largest unmanaged risk in the settlement is almost always — the home.

Not because anyone is being careless. Because the home sits at an intersection most divorce teams aren't built to cover on their own: family law, tax planning, mortgage qualification, title, credit, and timing. Miss one, and language gets written that won't fund.

This is the lane I work in.

As a Certified Divorce Lending Professional (CDLP®), here's what I bring to your team:

• Buy-out and refinance scenarios modeled before settlement language is locked
• Mortgage qualification stress-tested against the actual decree
• Title, credit, and fraud exposure flagged early — not discovered later
• A coordinated handoff with the financial and tax professionals
• A housing plan the client can actually live in post-decree

The Divorce Lending Association calls this a "settlement-ready" approach. I call it the difference between a decree that closes and a decree that holds.

If you're building a divorce team and the home is on the list — there's a seat for me. Reach out directly and let's set up a conversation. I'll show you exactly how I integrate into your existing workflow.

One of the biggest misconceptions in divorce is believing the settlement is “complete” once it’s written. In reality, a ...
05/23/2026

One of the biggest misconceptions in divorce is believing the settlement is “complete” once it’s written. In reality, a settlement is only successful when it aligns with real lending guidelines and supports the spouse’s ability to maintain or secure housing afterward.

As a CDLP®, I help clients and divorce professionals identify these issues early, before they become barriers to refinancing, buyouts, or future homeownership. The Divorce Lending Association’s new article, The Divorce Integration Framework: The Five Pillars of a Settlement-Ready Divorce Strategy, is a must-read for anyone navigating mortgage or real estate decisions during divorce.

Understanding these Five Pillars can make the difference between a workable plan and one that unintentionally limits financial options.

Read the full article: https://bit.ly/3MAMLXm

When nearly 70% of divorce settlements involve real estate, overlooking the mortgage planning steps can turn a fair sett...
05/21/2026

When nearly 70% of divorce settlements involve real estate, overlooking the mortgage planning steps can turn a fair settlement into a financial disaster.

As a CDLP®, I work alongside attorneys, mediators, and financial professionals to evaluate realistic options, uncover hidden risks, and create mortgage strategies that support the settlement terms.

The result? Confident decisions, smoother negotiations, and better outcomes for everyone involved.

Contact me to learn more about Divorce Mortgage Planning!

In my work with divorcing clients, I've seen too many settlements fall apart months after the decree — a refinance denie...
05/19/2026

In my work with divorcing clients, I've seen too many settlements fall apart months after the decree — a refinance denied, a buyout that turned out to be unfundable, a spouse who qualified for the home but couldn't actually carry it.

The common thread? The property and lending analysis happened after the agreement was signed, when there was no room left to fix it.

This article walks through how the Divorce Mortgage Planning & Real Property Report brings that analysis forward — so attorneys, mediators, and financial neutrals are working from one document that reflects what the lender will actually support.

Worth a read if you handle divorce cases involving a home: https://bit.ly/49cE665

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Clarkston, MI
48346

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