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.

Emotions drive many housing decisions in divorce, but numbers tell the truth.Partnering with a Certified Divorce Lending...
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

In many divorce cases, the marital home is the largest asset on the balance sheet, but its value is often one of the mos...
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.


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.

Equitable division starts with accurate valuations. Divorce housing decisions demand specialized expertise.In divorce, r...
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



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

In divorce, good intentions don’t make settlement terms feasible.When I’m brought into a case as a Certified Divorce Len...
05/16/2026

In divorce, good intentions don’t make settlement terms feasible.

When I’m brought into a case as a Certified Divorce Lending Professional (CDLP®), my focus is straightforward: Can the settlement terms actually be executed within current lending guidelines?

Mortgage risk in divorce often appears when agreements rely on income structures, debt allocations, real property transfers, or refinancing timelines that don’t align with mortgage requirements. These are not fraud issues at the drafting stage, they are feasibility issues.

When feasibility isn’t validated before the decree, clients are often forced into post-divorce corrections, delays, or compliance challenges simply to meet the terms of the agreement.

My role is not to renegotiate the settlement. It’s to confirm mortgage feasibility before it’s finalized, so the agreement reflects what is financeable, not what is assumed.

If a settlement includes real property, confirming mortgage feasibility should be part of the standard of care. Connect with me early to ensure those terms are executable.

Divorce is stressful enough without unexpected financial surprises. Many people don’t realize their credit report may be...
05/14/2026

Divorce is stressful enough without unexpected financial surprises. Many people don’t realize their credit report may be hiding details that can affect housing options and long-term financial stability.

▪️Joint accounts can still impact your score after divorce
▪️Missed payments affect both parties, even if the court says otherwise
▪️Hidden liabilities can stand in the way of mortgage approval

As a Certified Divorce Lending Professional (CDLP®), I help uncover these risks early and create a plan that protects your credit and your ability to secure housing after divorce.

Read more in this article from the Divorce Lending Association: http://bit.ly/3ISFPUf

You deserve clarity and stability as you move forward. Don’t let hidden credit issues stand in the way of your fresh start.

One of the most painful patterns I see in divorce:A spouse is awarded the family home in the settlement — the place wher...
05/12/2026

One of the most painful patterns I see in divorce:

A spouse is awarded the family home in the settlement — the place where the kids grew up, the place that feels like the one piece of stability in a chaotic season. The agreement is signed. Everyone exhales.

Then, weeks or months later, they sit down to refinance and find out they don't qualify on their own. Suddenly, the home they fought for is at risk, the ex is still on the loan, and the "fresh start" feels anything but fresh.

This isn't anyone's fault. It happens because mortgage qualification is rarely part of the settlement conversation — until it's too late.

That's what Divorce Mortgage Planning is designed to fix. A Certified Divorce Lending Professional (CDLP®) walks through four phases — Discovery, Strategy, Settlement, Ex*****on — *before* the agreement is signed, so the housing piece actually holds.

If you're early in the process and wondering whether keeping the house is even realistic, that's a conversation I'm always glad to have. No pressure. Just honest answers.

During divorce, most people focus on legal agreements and emotional healing. Few realize their financial identity may al...
05/07/2026

During divorce, most people focus on legal agreements and emotional healing. Few realize their financial identity may also be at risk.

Spousal identity theft can happen quietly when personal information that was once shared is used without consent. This can result in damaged credit, unexpected debt, and long-term financial consequences that extend well beyond the divorce.

This article explains what spousal identity theft looks like, why it often goes unnoticed, and how taking action early can help protect your financial future.

Read the full article here: https://divorcebriefings.com/3ZrSlyt

This is where I see most divorce settlements go wrong.The terms are negotiated.The agreement is signed.And everyone assu...
05/05/2026

This is where I see most divorce settlements go wrong.

The terms are negotiated.
The agreement is signed.
And everyone assumes the outcome will work.

But no one verified whether it could.

In divorce, there’s a critical gap between what is agreed to and what is actually executable—especially when it comes to mortgage financing.

Refinancing timelines, income qualification, debt allocation, and title structure are often treated as future steps instead of being evaluated before the settlement is finalized.

And when those assumptions don’t hold?

The result is an agreement that looks solid on paper—but creates real challenges in ex*****on.

This article breaks down why hypotheticals often turn into unworkable outcomes—and what’s missing from the conversation: https://bit.ly/3RlyZKB

If it can’t be executed, it wasn’t a strategy—it was a hypothetical.

As a Certified Divorce Lending Professional (CDLP®), I evaluate the feasibility of settlement outcomes before they’re finalized—so the structure actually works in the real world.

Address

225 Union Boulevard #350
Lakewood, CO
80228

Telephone

+13035490891

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