Is your Lender a part of your divorce team?

Whether you are a legal divorce professional, or a divorcing homeowner, you need a knowledgeable lender who understands divorce mortgage planning. My training as a CDLP® helps me to have a different perspective and ultimately provide a better solution for both the professional divorce team and the divorcing homeowner while at the same time protecting their ability to obtain mortgage financing in the future.

Why do you need a Certified Divorce Lending Professional® (CDLP®)?

There is life after divorce. And mortgages.

Divorce Mortgage Planning is a holistic approach to the process of evaluating mortgage options in the context of the overall financial objectives as they relate to divorcing situations. Working directly with and as a part of the divorce team, a CDLP® understands the intersection of divorce, financial and tax planning, real property, and mortgage planning. The role of the CDLP® is to help integrate the mortgage selected into the overall long and short-term financial and investment goals, to help minimize taxes, to minimize interest expense, and maximize cash flow.

A Financially Neutral party to advise about your divorce mortgage options.

Do you need a financially Neutral Advisor?

Emotions can run high when spouses separate, especially when a primary asset of the marital estate is the marital home. It can be easy to forget that life exists after divorce. Having a Certified Divorce Lending Professional (CDLP®) as a financial neutral on the divorce team is crucial to provide you with the unbiased outlook and knowledge necessary to make the best and most productive plan for moving forward.

Is your Legal Team Expert in Mortgages?

Dozens of underwriting regulations and recommendations affect divorce related mortgages. We understand the divorce process from the attorney’s perspective; and will synchronize your mortgage and divorce timelines for maximum efficiency. In all scenarios, the focus is on assisting clients and lawyers in generating mortgage financing options and understanding the future financial impact of those options.

want help finding documents and data?

The first task in the divorce process is to gather information to assist divorce professionals in developing a creative and appropriate settlement. The information gathering phase requires time and footwork to locate data that gives a clear understanding of the marital assets and debts, separate property assets and debts, incomes, and potential opportunities and/or liabilities. 

Keeping Your Home?

An equity buy-out refinance is one of the most common solutions to splitting the equity in the family home. Since 68% of the average families wealth is in the home, we provide expert insight here. We will get the most out of your home that is possible per the guidelines. If anyone tells you that you are capped at 80% of the home’s value, we REALLY need to talk!

This is exciting – a new post-divorce home awaits you- and this is the best time to engage a Divorce Mortgage Planner. Let us guide you into purchasing your next home to provide a level of stability for you and your family in this next chapter of life. We will ensure you utilize the assets from the divorce in the best way possible for your financial future.

Need Credit Help?

Divorce credit issues are not something to be ashamed of. Often times there is a simple fix that can make large movements in your scores. We also have NO CREDIT SCORE options for those that were relying on their ex-spouse in that area. In the worst case scenarios, we have an amazing credit repair team that we partner with that we can get you connected with as soon as possible.

About Ryan Speltz, CDLP™ CMA

Leading with Education & Compassion

Ryan Speltz is a Certified Divorce Lending Professional (CDLP®) in Pinellas County with over 8 years of experience in the mortgage industry. There are over 17,000 pieces of legislation against mortgage,  and the divorce mortgage process can truly be a minefield for those trying to navigate it without a Divorce Mortgage Planner in their corner. Ryan and his team focus on all things divorce and continually stay up to date on all the mortgage guidelines surrounding divorce. As part of the divorce team, Ryan’s number one goal is to maintain the accrued value of the divorcing parties, and assist in providing a fair and equitable split of the family home and real estate assets.

Image of Ryan Speltz smiling inn a suit against a grey background
Ryan Speltz, CDLP™ CMA

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