The Showman Team

The Showman Team With 45+ years of mortgage expertise, we specialize in comprehensive home financing solutions, including Divorce Mortgage Planning.

Proudly rated 5.0 stars, we help clients achieve financial health and build wealth through expert, personalized guidance.

If you've hesitated to bring a CDLP® into a case because you weren't sure it was big enough to warrant it, this is for y...
08/25/2026

If you've hesitated to bring a CDLP® into a case because you weren't sure it was big enough to warrant it, this is for you.

There is no minimum. A case can be one question about whether your client can qualify on their own income. It can also be months of analysis ending in testimony. Same credential, same standard of care, entirely different work.

You are not expected to scope the engagement before you refer. Scoping it is what I do first.

What I'd rather avoid is the version where the question goes unasked because the case didn't seem to justify a call.

An engagement with me can take twenty minutes. It can also run for months and end with expert testimony.Same credential....
08/18/2026

An engagement with me can take twenty minutes. It can also run for months and end with expert testimony.

Same credential. Same standard of care. Entirely different work.

The work is built in layers: from a few answers early, before assumptions harden, all the way to testimony on the stand. Which layer a case calls for is set by the circumstances of the divorce, not by the credential.

What damages clients isn't starting small. It's the mismatch: a quick answer standing in where the case needed full mortgage capacity analysis, or a trial fought over housing feasibility with no qualified expert in the record.

You don't have to figure out which layer your client's case needs before you call me. That's my job.

Send me the case at whatever layer it's in.

Read the full article: https://divorcebriefings.com/Layers

08/11/2026

"We're keeping the house for the school district."

I hear this a lot in August, and honestly, it makes sense. Stability matters, especially for kids going through a hard year.

I just want it to be a decision instead of a default. Three questions worth answering first:

✔️ Can one income carry the payment, taxes, insurance and upkeep? ✔️ Does the equity math still work once the true costs of accessing that equity are accounted for? ✔️ Is the refinance timeline in the agreement realistic?

Sometimes the answers come back clean and you keep the house with confidence. Sometimes they don't, and it's much better to know that now than halfway through the school year.

If you're weighing this right now, let's run the numbers together.

One spouse keeps the house. The other takes half the equity. On paper, it's even.Ten years later, it usually isn't. And ...
08/04/2026

One spouse keeps the house. The other takes half the equity. On paper, it's even.

Ten years later, it usually isn't. And in some cases, the agreement can't be carried out at all.

This month's issue of Divorce Housing Insights looks at both halves of that problem: why an equal split of today's equity rarely stays equal, and what happens when a settlement assumes a refinance the retaining spouse can't qualify for. The case study walks through an agreement requiring a $450,000 refinance against roughly $291,000 of actual borrowing capacity.

That gap is findable at intake. It is very expensive to find after the decree.

If you have a case where one party wants to keep the marital home, I'm glad to run the numbers with you before anything is signed.

Read the full article here: https://divorcebriefings.com/4xjN3nM

We're in the hottest stretch of the year, and divorce often follows a similar pattern: everything feels most urgent at t...
07/28/2026

We're in the hottest stretch of the year, and divorce often follows a similar pattern: everything feels most urgent at the peak of it.

But the heat breaks. Mortgage terms don't.

"You keep the house" is among the most common sentences in a settlement conversation, and among the least tested before it becomes binding. By the time many files reach me, the agreement is already signed, and that is when we discover that the refinance will not approve, that the buyout cannot be funded as worded, or that a name remains on a note it was never intended to stay on.

These are answerable questions, and they are answerable early:
• Does the qualifying income support the loan on a single signature?
• Is a refinance realistic under current conditions, and if not, what is the alternative?
• How will the buyout actually be funded?
• Whose name comes off the note, and on what timeline?

As a Certified Divorce Lending Professional, I do not practice law and I do not advocate for either party. My role is to provide the mortgage analysis, so that you and your attorney are working from verified numbers rather than assumptions.

If you are navigating this now, please reach out to me directly. If your divorce is already final and the housing terms are not working, reach out as well. Post-decree options are available more often than most people are told.

A settlement provision I see fairly often: "The balance of the escrow account is awarded to [spouse]."It is clear, both ...
07/21/2026

A settlement provision I see fairly often: "The balance of the escrow account is awarded to [spouse]."

It is clear, both parties understand it, and the servicer cannot act on it.

When the existing loan pays off, the servicer refunds the escrow balance to the mortgagee of record. If only one spouse was on that loan, that is who receives the check, regardless of what the decree says. If both were, the check is payable to both and needs both signatures.

The fix is small. The agreement has to name a mechanism, not just an award. Who endorses it, who remits it, by when, or whether the amount is simply credited elsewhere so no transfer is needed at all.

Same idea applies to the tax year the parties owned the home jointly, to reassessment on transfer, and to exemptions that do not survive a change in occupancy.

Read more here: https://bit.ly/4pxwSjV

A successful divorce settlement isn't just about reaching an agreement, it's about creating a plan that works long after...
07/14/2026

A successful divorce settlement isn't just about reaching an agreement, it's about creating a plan that works long after the paperwork is signed.

As a Certified Divorce Lending Professional (CDLP®), I help uncover the housing and mortgage implications that can impact a settlement before decisions become final. Together, we can develop a realistic divorce housing plan that supports your financial future and helps create a stronger, more sustainable outcome.

If you're navigating divorce or are in the process of negotiating a settlement, let's have a conversation about your options before you make one of the biggest financial decisions of your life.

Reach out to me directly to learn how a divorce housing plan can help you move forward with confidence.

Summer often brings a shift in pace, making it an ideal time to revisit cases, prepare for the months ahead, and help cl...
07/07/2026

Summer often brings a shift in pace, making it an ideal time to revisit cases, prepare for the months ahead, and help clients make informed decisions about their future.

For family law professionals, one of the most important conversations to have before a settlement is finalized is whether the proposed housing solution is actually sustainable.

As a Certified Divorce Lending Professional (CDLP®), I work alongside attorneys and other divorce professionals to evaluate mortgage financing, affordability, and settlement terms before agreements are signed. Identifying potential issues early can help reduce surprises after the divorce and better position clients for long-term success.

This month's newsletter explores why summer is the perfect time to evaluate the house and how proactive Divorce Mortgage Planning can strengthen the divorce planning process.

Read the full newsletter here: https://divorcebriefings.com/summer

This Independence Day, I keep coming back to what freedom really means for the people I work with.In divorce, freedom be...
06/30/2026

This Independence Day, I keep coming back to what freedom really means for the people I work with.

In divorce, freedom begins with an informed decision. Before the settlement is signed, while there is still time to plan, you deserve to understand what your home and your financial future can truly support.

That is the work I do as a Certified Divorce Lending Professional. I help you see your real options early because a legal option is not always a lending option, and that difference can shape your life for years.

If you or someone you know is facing these decisions this summer, let's talk before the terms are set, not after.

Happy Fourth of July!

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