Suzanne Söderberg, CDLP - Divorce Lending NMLS #501875 Benchmark Mortgage

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Suzanne Söderberg, CDLP - Divorce Lending NMLS #501875 Benchmark Mortgage

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Suzanne Söderberg
Specializes in the divorce lending field as a Certified Divorce Lending Professional (CDLP®).
(1)

NMLS #501875
Benchmark Mortgage
Equal Housing Opportunity
Ark-La-Tex Financial Services LLC, NMLS #2143

10/30/2026

We are in one of my favorite times of year in this industry.

People are starting to look ahead to the new year—reflecting on what they want to change and what moves they want to make.

If you have clients who have been sitting on the fence about buying, refinancing, or restructuring their housing situation after a major life change, now is the absolute best time to start that conversation. Planning early makes all the difference.

Whether you need a quick scenario run or a deep-dive strategy session for a complex file, I’m here to support you and your clients. Let's finish the year strong!

10/29/2026

People ask me what my days look like. Honestly? A lot of problem solving. Every file is different: different income situations, different life circumstances, different goals. What I love most is when I get a file that looks complicated on the surface and we find a path anyway. That's the good stuff.

10/29/2026

Shared financial access doesn’t always end when a marriage does—and that matters.

During divorce, identity theft risk increases as access remains open, decisions are rushed, and financial stress is high. These issues often surface later—when someone applies for a mortgage and discovers damage that could have been prevented.

As a Certified Divorce Lending Professional (CDLP®), my role is to assess these risks early and ensure housing strategies align with long-term financial security—not just short-term agreements.

Schedule a strategy call to proactively protect your identity, credit, and future housing plans.

10/27/2026

The house is on the table in almost every divorce. Who keeps it, how the buyout is structured, and whether the loan can be refinanced. Attorneys, mediators, and financial neutrals each bring something essential to those decisions.

Is your divorce team complete?

As a Certified Divorce Lending Professional (CDLP®), I practice Divorce Mortgage Planning as an integral member of the professional divorce team. My role is to help test whether the housing plan being negotiated is one the parties can actually carry out.

I’m not there to replace anyone at the table. I’m there to work alongside you, so the decisions about the house are built on a clear understanding of what is financially feasible.

If you work with divorcing clients, I’d welcome a conversation about how we can work together.

10/26/2026

Here’s a conversation more people should be having.

If you're 62 or older and still carrying a mortgage payment, did you know there may be a way to eliminate that monthly payment without selling your home or draining your savings?

A reverse mortgage isn't what most people think it is anymore.

I've helped clients strategically leverage their home equity to:

Breathe easier in retirement by eliminating monthly principal and interest outlays.
Fund home modifications to comfortably age in place.
Secure a rising line of credit as a safety net for unexpected healthcare costs.
Enjoy lifestyle goals, like taking those long-delayed family trips.

The rules around home wealth have evolved, and it's all about preservation and flexibility.

If this sounds like a strategy that could help someone you know, my door is always open for a casual, no-pressure conversation.

10/24/2026

Most mortgage professionals don't see a divorce file until the decree is signed, the agreement is locked in, and the damage is done. They get called in to execute.

I work the other way around.

As a Certified Divorce Lending Professional (CDLP®), I'm on the divorce team from the first client meeting — alongside the attorney, the mediator, the financial neutral. Not at closing. At intake.

Because the marital home isn't a line item. It's where the settlement either holds together or quietly falls apart 18 months later.

Here's what I bring to the team:

→ Settlement-ready strategy that aligns legal intent with what the mortgage will actually allow
→ Mortgage Capacity Mapping™ — refinance, buy-out, and assumption scenarios in real numbers
→ Risk and fraud prevention on title, credit, and disclosure
→ Tax and equity clarity coordinated with the financial team
→ A post-decree housing plan that survives the first 24 months

Emotions drive divorce. Math protects the outcome.

If you have a divorce case with a home on the asset list, let's talk before the settlement language gets written — not after.

Message me directly or call/email to set up a quick consult. I'm happy to walk through how I work alongside your team.

10/24/2026

One of my favorite calls to get from an agent is "my buyer just got turned down — can you look at this file?" More often than not, a denial from one lender isn't the end of the road. It just means the wrong set of eyes looked at it. 28 years in this business means I've seen a lot of creative solutions. If you ever find yourself in that situation, call me before you give up on your buyer.

10/22/2026

Approvable, sustainable, and affordable are three different questions — and a settlement that only answers the first one often produces a client back in court 18 months later.

This piece explains how one structured report evaluates all three before the decree, and how it's designed to be used by the attorney, the mediator, and the financial neutral on the same case.

If you've ever watched a housing term unravel post-decree, this will resonate: https://bit.ly/49cE665

10/21/2026

I have so much respect for real estate agents. The ones I've worked with over the years are some of the hardest working, most client-focused professionals I know. You're juggling negotiations, emotions, timelines and expectations all at once — often without a thank you. Just wanted to say it: you're appreciated!

10/20/2026

"Is this loan assumable?"

It's one of the most common questions I hear in divorce cases, and it often gets an accurate answer to the wrong question.

When someone calls the servicer and asks, the answer usually comes from the note, which covers selling the house to a buyer. But a transfer between spouses under a divorce decree follows a different set of rules. A correct "no" can still close a door the case never looked behind.

And even when the answer is yes, "assume the mortgage" can mean three very different outcomes. Only one of them actually releases the spouse who is leaving.

This article walks through the four questions that matter before a settlement agreement is signed.

Read it here: https://www.divorcelendingassociation.com/blog/is-the-mortgage-assumable-in-a-divorce-ask-this-instead.cfm

If you have a case where the house and the mortgage are part of the settlement, let's talk while the agreement is still a draft. As a Certified Divorce Lending Professional (CDLP®), this is exactly the work I do.

Address

10446 N 74th Street, Suite 250
Scottsdale, AZ
85258

Telephone

+16022063439

Website

http://www.suzannesoderberg.com/

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