Referral partners · Divorce & estate planning attorneys
Settlements that survive underwriting.
I'm a mortgage loan officer trained to navigate the complex intersection of family law, tax rules, and real estate financing during a divorce. Most settlements are written without a lender in the room — then the refinance fails, the buyout collapses, or someone's credit takes the hit. I make sure the numbers in the decree actually work in the real world.
What I do on your cases
A lender who reads the decree before the ink dries.
- Analyzes decrees
I review divorce agreements to ensure mortgage feasibility.
Before your client signs, I check that the support terms, timelines, and property dispositions can actually be financed — not theoretically, but under real underwriting guidelines.
- Qualifies support
I evaluate alimony and child support for loan approval.
Support income counts when it's documented and structured correctly. I tell you exactly what language the decree needs so the income qualifies.
- Structures buyouts
I plan equity splits and remove liability safely.
One spouse keeps the property, the other walks away clean — off the mortgage, not just off the deed. A quitclaim alone never removes mortgage liability; the financing has to be restructured.
- Collaborates
I work directly with divorce attorneys and financial planners.
You get a financing partner on the case team — reviewing draft language, flagging problems early, and keeping the mortgage on track through closing.
Why work with one
Why your cases need a divorce-lending specialist.
- Prevents disqualification
Avoids un-refinanceable settlement terms.
The most expensive phrase in family law is "we'll figure out the mortgage later." Terms that look fair on paper routinely fail underwriting — I catch them while they're still negotiable.
- Protects credit
Safeguards future borrowing capacity for both parties.
A botched buyout or a lingering joint mortgage damages both spouses' ability to borrow for years. Clean liability separation protects everyone's next chapter.
- No extra cost
Standard lending fees — same as traditional mortgage loan officers.
The divorce-lending expertise is part of the service, not an add-on. Your client pays nothing extra for a settlement that actually closes.
Investor clients
Untangling investment property in a divorce.
When the marital balance sheet includes rental properties, the stakes multiply. I restructure loans for investor clients so each party is freed from the other's financial liability — and positioned for future purchases.
- V50 refinance
Refinance the investment property with no minimum credit score requirement — critical when divorce has already bruised both credit files.
The property doesn't need to be currently rented. 30-year fixed term, no balloon payment: stability both parties can sign off on.
- Investor HELOC
A second-position line of credit with no appraisal required — a clean way to fund a buyout.
No tax returns or W-2s; income from bank deposits. Fixed rate, zero prepayment penalty. One spouse draws the buyout funds, the other exits with cash and a clean break.
- DSCR for the next chapter
When a newly single investor is ready to buy again, DSCR qualifies on the property's rental income.
Never requires personal income documents — no tax returns, W-2s, or pay stubs. A fresh start doesn't have to wait for two years of clean tax returns.
Estate planning attorneys
Financing that fits the plan.
When investment property moves through trusts, estates, or inheritance, the financing often needs restructuring — refinancing out of an estate, tapping equity to equalize heirs, or repositioning debt around the plan. Same toolkit, structured around your documents. Send me the scenario and I'll tell you what the financing can support.
Going through it yourself?
Two questions decide the mortgage strategy.
If you are currently going through a divorce: are you looking to buy out your spouse — or sell the home? Call me before the decree is final and we'll map the financing around your answer, so the settlement you sign is one you can actually close.
Attorney questions
Clear answers to common questions
Can alimony and child support be used to qualify for a mortgage?
Yes. Support income can be qualifying income when it's structured correctly in the decree. I evaluate alimony and child support for loan approval before the settlement is final, so the language supports the mortgage.
What if the divorce decree is already signed?
Bring it to me anyway. I review signed agreements for mortgage feasibility and will tell you plainly what can and can't be financed — but the best time to involve a lender is before the ink dries.
Does the departing spouse stay on the mortgage after a buyout?
Not if we structure it right. The goal is removing liability safely — typically through a refinance that takes one party off the loan while the buyout funds the other. A quitclaim deed alone doesn't remove mortgage liability.
Will involving a lending specialist cost my client extra?
No. I charge standard lending fees, same as traditional mortgage loan officers. The divorce-lending expertise is part of the service, not an add-on.
Do you work directly with our firm?
Yes. I collaborate directly with divorce attorneys and financial planners on the case — reviewing draft language, flagging un-refinanceable terms, and keeping the financing on track through closing.
Can you help investor clients restructure property debt in a divorce?
Yes. For clients with investment properties, I restructure loans so each party is freed from the other's financial liability and positioned for future purchases — using tools like V50 refinancing with no minimum credit score requirement, the Investor HELOC for buyout funds with no appraisal required, and DSCR loans for the next acquisition.
Request a case review
Send me the decree before it's final.
Call or text Dan with the case basics — or email a draft decree for a mortgage-feasibility review. You'll get a straight answer on what the financing can support.