COMortgageGal

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Colorado Native | Mortgage Broker | Author of Women’s Divorce Guide | Divorce Lending Specialist | Helping clients build smart mortgage strategies for life changes and homeownership.

06/18/2026

What’s often overlooked can cause the biggest setbacks. Loan assumptions made during divorce may seem like an easy fix, but hidden financial and legal risks can create long-term consequences, delaying settlements or endangering homeownership.

As a Certified Divorce Lending Professional (CDLP®), I work to identify these risks early and structure mortgage solutions that protect both parties’ financial futures.

Read more: https://divorcebriefings.com/4qF3V5S

06/16/2026

Another one of the most overlooked financial risks during divorce has nothing to do with the mortgage. It's homeowners' insurance.

When ownership of a property changes, the insurance policy usually needs to change too. Skipping that step may lead to coverage gaps, denied claims, and costly surprises long after the divorce is finalized.

As a Certified Divorce Lending Professional (CDLP®), I help divorcing homeowners see how mortgage financing, property ownership, and other housing decisions shape their long-term financial picture. Catching an issue like this early is often the difference between a clean transition and an expensive mistake.

If you have questions about your situation or how divorce may affect your housing options, reach out anytime. The article below is a good place to start.

https://bit.ly/4vWsU6F

06/13/2026

Keeping the house isn’t the same as affording the house.
Make sure the numbers support the decision.

In the middle of a divorce, it’s natural to want stability. For many people, that stability feels tied to the home.

But keeping the house means more than just staying in it. It means qualifying for the mortgage on your own. It means understanding how support income is calculated. It means knowing whether the monthly payment, taxes, insurance, and maintenance truly fit your post-divorce budget.

Divorce agreements are negotiated one way. Mortgage approvals are evaluated another.

Before you agree to keep the home, make sure the financial reality aligns with the settlement terms. A decision that feels right emotionally also needs to work long term.

If you’re unsure whether keeping the house is financially sustainable, reach out. I can help you review your options and make an informed decision that protects your next chapter.

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.

06/06/2026

In divorce cases involving real property, I often see decisions driven by emotional attachment, anchoring to unrealistic numbers, or assumptions about future financing.

The reality is this: If the numbers don’t work in practice, the settlement doesn’t work in real life.

Financial biases, like loss aversion or anchoring to early settlement numbers, can significantly influence negotiations and long-term outcomes. Bringing objective financial analysis into the process helps ensure decisions are based on data, not assumptions.

If real property is part of the settlement, determining value and feasibility early can make the difference between a workable agreement and future restructuring.

Read the article here:
https://www.divorcelendingassociation.com/blog/financial-biases-in-divorce-strategies-for-divorce-financial-planning.cfm

If you’re an attorney, mediator, or financial professional and want to incorporate mortgage feasibility and valuation strategy into your cases, I’m always happy to collaborate.

06/02/2026

Emotions drive many housing decisions in divorce, but numbers tell the truth.

Partnering with a Certified Divorce Lending Professional (CDLP®) helps family law professionals protect clients from financial missteps tied to the marital home. Discover how to turn emotions into factual math and secure better outcomes: http://bit.ly/47nxro0

05/30/2026

In many divorce cases, the marital home is the largest asset on the balance sheet, but its value is often one of the most misunderstood figures in the entire settlement.

The valuation assigned to real property directly affects:
• Equity distribution between parties
• Buyout calculations
• Support negotiations
• The feasibility of one spouse retaining the home

Using an inaccurate or unsupported value can create downstream problems, disputes between parties, settlement delays, or housing outcomes that are difficult to implement.

It’s also important to recognize that not all valuation methods serve the same purpose. Online estimates, comparative market analyses, and formal appraisals each have different levels of reliability and different roles within the divorce process. Selecting the appropriate valuation method is essential to building a defensible agreement.

As a Certified Divorce Lending Professional (CDLP®), I often work with divorce teams to connect the valuation of the property to the practical realities of financing, equity access, and settlement implementation. Accurate numbers are not just helpful, they are foundational to durable, enforceable agreements.

If you work with cases involving real property and would like to better understand how valuation and mortgage feasibility intersect, feel free to reach out or connect. I’m always glad to be a resource.

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.

05/23/2026

Equitable division starts with accurate valuations. Divorce housing decisions demand specialized expertise.

In divorce, real property valuation is often treated as a stand-alone issue. In practice, valuation, financing, and settlement language are inseparable.

As a Certified Divorce Lending Professional (CDLP®), I work alongside family law attorneys and mediators to ensure that proposed property divisions and equity buyouts align with appraisal standards, lender requirements, and underwriting realities, not just negotiated assumptions.

When CMAs are relied upon in place of formal appraisals, or when lender-mandated valuations are not accounted for, otherwise equitable settlements can become impracticable post-decree. Early mortgage feasibility analysis helps identify these risks before agreements are finalized.

Integrating mortgage planning into the divorce process provides attorneys with greater certainty, protects clients from unexpected outcomes, and supports settlement terms that can be successfully executed.

Read the full article here: https://bit.ly/4tgc8yM

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

Address

225 Union Boulevard #350
Lakewood, CO
80228

Telephone

+13035490891

Website

http://www.newchaptersco.com/

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