Janice Nugent - Mortgage Planning Specialist

Janice Nugent - Mortgage Planning Specialist NMLS #289353, California

Divorce Mortgage Planning Specialist helping clients navigate life transitions with clarity and confidence, guiding homebuyers and homeowners with thoughtful, long-term mortgage planning.

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

06/15/2026

Weekly Market Thoughts: June 15–19

This week feels a little different than some of the recent ones.

Oil prices have moved lower, markets have responded positively, and the Federal Reserve is expected to keep rates unchanged when it meets this week.

That's a welcome shift from the uncertainty we've been talking about lately.

Of course, markets will continue to react to new information, but for now, many people are watching to see whether this creates a little more stability moving forward.

If you're thinking about buying, refinancing, or simply trying to understand your options, staying focused on your long-term goals is usually more helpful than reacting to every headline.

If you have clients or are navigating this yourself and want to talk through timing or options, I'm always happy to help.

📞 925-683-0787 |
[email protected] | 🌐 JaniceNugent.com

In divorce, good intentions don’t make settlement terms feasible.When I’m brought into a case as a Certified Divorce Len...
06/11/2026

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.

Can You Be Approved for a Mortgage and Still Not Be Ready to Buy?Absolutely.Getting approved is an important step.But be...
06/11/2026

Can You Be Approved for a Mortgage and Still Not Be Ready to Buy?

Absolutely.

Getting approved is an important step.

But being ready to buy is about more than qualifying.

It's about understanding:
• your monthly comfort level
• your cash reserves
• future plans
• homeownership costs beyond the mortgage

A loan approval tells you what's possible.

Mortgage planning helps determine what's practical.

The goal isn't just buying a home.

It's buying a home that fits comfortably into your life.

☎ 925-683-0787
📩 [email protected] | 🌐 JaniceNugent.com

One phrase I never like hearing during a divorce case:"We'll figure out the mortgage later."Unfortunately, that's often ...
06/10/2026

One phrase I never like hearing during a divorce case:

"We'll figure out the mortgage later."

Unfortunately, that's often when problems show up.

A refinance may not work as expected.

A buyout may not be feasible.

And housing plans sometimes need to be revisited.

That's why mortgage planning is most effective when it's part of the conversation before agreements are finalized.

I'm always happy to be a resource for attorneys, mediators, financial professionals, and clients navigating these decisions.

☎ 925-683-0787
📩 [[email protected]
🌐 JaniceNugent.com

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.

06/08/2026

Weekly Market Thoughts: June 8–12. 2026

A lot of people are wondering what happens next with mortgage rates.

This week, markets will be paying close attention to new inflation reports after last week's stronger-than-expected jobs report.

The interesting thing about rates is that they often move based on expectations, not just actual events. That's why you may hear conversations about rates changing long before anything officially happens.

If you're thinking about buying, refinancing, or just trying to understand your options, it's helpful to focus on your overall plan instead of reacting to every headline.

If you have clients or are navigating this yourself and want to talk through timing or options, I'm always happy to help.

📞 925-683-0787
📩 [email protected] | 🌐 JaniceNugent.com

Military divorces demand more than standard financial guidance.Divorce is never easy, and for veterans and military pers...
06/06/2026

Military divorces demand more than standard financial guidance.

Divorce is never easy, and for veterans and military personnel, the financial complexities can be especially challenging. Pension division, VA loan entitlements, and layered income structures often require more than traditional legal or financial guidance.

As a Certified Divorce Lending Professional (CDLP®), I’ve seen firsthand how easily these financial details can be overlooked—and how critical it is to address them early in the process. By collaborating with divorce professionals, I help ensure that the mortgage and housing implications of military divorce are aligned with long-term stability for your clients.

Read the full article here: http://bit.ly/3JMTQ5S

06/05/2026

Is a larger down payment always the best move?

Most people assume the answer is yes.

But sometimes the better question is:

"What do I want the rest of my money to do for me?"

Maybe it's keeping a stronger emergency fund.

Maybe it's tackling other financial goals.

Maybe it's having flexibility for home improvements, future opportunities, or other investments.

A home purchase is a big decision, but it shouldn't leave you feeling stretched.

That's why mortgage planning is about more than getting approved. It's about creating a strategy that fits your life.

☎ 925-683-0787
📩 [[email protected] |🌐 JaniceNugent.com

During divorce, most people focus on legal agreements and emotional healing. Few realize their financial identity may al...
06/04/2026

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

Address

1212 Broadway Plaza, Suite 2100
Walnut Creek, CA
94596

Website

Alerts

Be the first to know and let us send you an email when Janice Nugent - Mortgage Planning Specialist posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Shortcuts

Share

Category