Lacee Hartvigsen - Focus Mortgage NMLS #2755855

Lacee Hartvigsen - Focus Mortgage NMLS #2755855 We serve you with all of your mortgage needs. FHA, USDA, VA, Conventional Loans. NMLS: 824006 Ready to take the next step?

No matter if you’re buying, selling, refinancing, or building your dream home; it’s important to work with an experienced and knowledgeable team. As an expert Personal Mortgage Advisor, I have the knowledge and resources you need in order to stay current with market conditions and frequently changing mortgage programs. Ensuring that you make the right choice for you and your family is my ultimate

goal. Use our secure online application to get started. After you’ve applied, I’ll call you to discuss the details of your loan. As always, you may contact me anytime by phone or email for personalized service and expert advice. I look forward to helping you into the home of your dreams!

📚 Learning. Growing. Improving.Spending time at UWM Success Track this week, investing in education and professional dev...
06/10/2026

📚 Learning. Growing. Improving.

Spending time at UWM Success Track this week, investing in education and professional development so I can better serve my clients and partners.

The more I learn, the more value I can bring to every home financing journey. 🏡

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.

The standard divorce house buyout math looks clean on paper: home value, minus the mortgage, divided by two. Then the re...
06/03/2026

The standard divorce house buyout math looks clean on paper: home value, minus the mortgage, divided by two. Then the refinance gets underwritten, and the number that felt fair stops working.

I work with attorneys, mediators, and financial neutrals on exactly this gap. Four variables decide whether a buyout can actually be funded: how the refinance is structured (rate-and-term vs. cash-out, and the LTV ceiling), separate property contributions, closing costs and seasoning rules, and the standalone qualifying income of the spouse keeping the house.

Get them on the table before settlement, and the buyout holds. Miss them, and it can unravel months after the decree, when nobody did anything wrong.

I broke down how a CDLP® runs these numbers, with worked examples: https://www.divorcelendingassociation.com/library/why-the-divorce-buyout-formula-fails-four-adjustments.cfm

If you have a file that includes the house in question, I'm glad to run the analysis alongside you.



https://www.divorcelendingassociation.com/offices/lacee-hartvigsen.cfm

Divorce is rarely solved by a single professional.The strongest outcomes I've seen come from a coordinated team — family...
05/12/2026

Divorce is rarely solved by a single professional.

The strongest outcomes I've seen come from a coordinated team — family law attorney, mediator, financial advisor, CPA, real estate agent, and a Certified Divorce Lending Professional (CDLP®) working in alignment, not in silos.

Each brings something the others can't:

• The attorney drafts the settlement
• The financial advisor models long-term cash flow
• The CPA navigates tax implications
• The CDLP® translates housing decisions into mortgage reality

Without that last piece, settlements get signed around housing assumptions that don't survive underwriting. With it, the housing decisions in the agreement actually hold up.

The CDLP® four-phase framework — Discovery, Strategy, Settlement, Ex*****on — is built specifically to integrate with the rest of the divorce team. Not to replace anyone. To strengthen what everyone else is doing.

If you're a family law attorney, mediator, or financial professional and you don't have a CDLP® on your referral bench yet, let's connect.

I made this move to better serve my clients, the whole reason I do what I do! Focus Mortgage gives me stronger resource...
05/05/2026

I made this move to better serve my clients, the whole reason I do what I do! Focus Mortgage gives me stronger resources, more competitive options, and a platform FOCUSed on excellence, which ultimately allows me to deliver a better overall experience. I'm thrilled to be able to FOCUS on what's ahead and continuing to help more people reach their goals through homeownership!

In divorce, outcomes are often negotiated before they’re validated.The issue?You can’t negotiate a hypothetical.When it ...
04/28/2026

In divorce, outcomes are often negotiated before they’re validated.

The issue?
You can’t negotiate a hypothetical.

When it comes to the marital home, assumptions around refinancing, affordability, and qualification frequently go untested until after the agreement is finalized.

By then, options may be limited—or gone entirely.

A settlement should be built on verified mortgage feasibility, not projected outcomes.

As a CDLP®, I work within the divorce process to ensure real property decisions align with lending realities—not assumptions.

If you’re part of a divorce team or navigating this personally, I’m here to help bring structure to the conversation.

Most divorce settlements don’t fail because of bad legal work.They fail because of financial blind spots.When real prope...
04/07/2026

Most divorce settlements don’t fail because of bad legal work.
They fail because of financial blind spots.
When real property decisions are made without aligning to lending guidelines, income realities, and long-term feasibility…
what looks solid in the agreement can fall apart after the fact.
This is where many cases break down:
A refinance that was never actually possible
Income that doesn’t meet underwriting standards
Equity decisions that don’t translate into executable outcomes
The result? Delays, disputes, and clients left in unstable positions.
As a Certified Divorce Lending Professional (CDLP®), my role is to help ensure that real property decisions are not just negotiated—but actually work in practice.
If you’re structuring agreements involving real estate, this is worth a read:
https://www.divorcelendingassociation.com/.../lacee...
Because a settlement should hold up not just in court… but in real life.

Exciting news!
03/24/2026

Exciting news!

Many divorce settlements fail after the decree, not because the agreement was unfair, but because it was never aligned w...
03/17/2026

Many divorce settlements fail after the decree, not because the agreement was unfair, but because it was never aligned with lending reality.
One of the most overlooked risks in divorce cases is assuming that housing decisions negotiated in settlement will automatically translate into mortgage approval.
They don’t.
Mortgage underwriting follows strict guidelines around income history, debt allocation, credit, and documentation. If those factors aren’t evaluated during settlement negotiations, clients may later discover that the refinance, buyout, or new home purchase written into the decree simply isn’t achievable.
This is why integrating Divorce Mortgage Planning early in the case matters.
As a Certified Divorce Lending Professional (CDLP®), my role on the divorce team is to help align:
• Settlement terms
• Mortgage qualification requirements
• Real property decisions
• Long-term housing sustainability
When legal intent and lending guidelines are evaluated together, settlements become not only legally enforceable, but financially executable.
For attorneys, mediators, and financial professionals, this integration can reduce post-decree surprises, protect your client’s housing outcome, and strengthen the durability of the agreement.
If you work with cases involving real property, this article is worth a read.
https://www.divorcelendingassociation.com/.../lacee...
How are you currently integrating mortgage feasibility into your settlement strategy?

Title Concerns in Divorce: The Hidden Risks of Post-Decree OwnershipAwarding possession of the marital home is common.Fa...
03/03/2026

Title Concerns in Divorce: The Hidden Risks of Post-Decree Ownership
Awarding possession of the marital home is common.
Failing to address title strategically is where problems begin.
A divorce decree may define occupancy — but it does not eliminate ownership liability, lender guidelines, or future underwriting obstacles.
When title remains unresolved, clients can face:
• Continued legal liability for a property they no longer control
• Exposure to liens or judgments
• Refinance and equity ambiguity
• Tax consequences and reporting complications
• “Phantom ownership” years after the case is closed
These are not theoretical risks. They surface in post-decree disputes, failed refinances, and avoidable financial damage.
Real property settlements require more than drafting language. They require feasibility analysis and forward-looking mortgage strategy.
This month’s newsletter outlines why title matters more than possession — and how to reduce post-decree exposure before settlement is finalized.
Read it here: https://www.divorcelendingassociation.com/.../lacee...
If you’re structuring cases involving real property, proactive title and mortgage review should be part of the strategy — not an afterthought.

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