A lending resource for the rest of the divorce team.

Why this matters to your case

A settlement built around a refinance or equity buyout is only as good as the mortgage math behind it. I regularly see agreements drafted with a buyout number or refinance deadline that turns out not to be feasible once a lender actually reviews the retaining spouse's income, credit, and debt-to-income ratio on a single-income basis. When that happens after the decree is signed, it becomes a legal problem instead of a simple math check.

Ten-plus years inside loan operations and underwriting, ahead of advising clients directly, is what I bring to this: I can tell you before the ink is dry whether a proposed number will actually clear underwriting.

How I can help your case

• Pre-settlement feasibility check. Before you draft a buyout number or refinance deadline, I'll review whether the retaining spouse can realistically qualify — free, and without obligation.
• Decree language review. I can flag mortgage-related language that's likely to cause problems at closing (ambiguous buyout timing, support income that doesn't meet lender continuance requirements, etc.) before it's finalized.
• Direct client handoff. Once terms are set, I work directly with your client on the actual refinance or purchase, keeping you updated on status if that's useful to the case.
• Client education materials. The divorce mortgage guide, equity buyout breakdown, and mortgage timeline on this site are free for you to share directly with clients.

What's useful to send me for a feasibility check

1. Current appraised or estimated home value, and remaining mortgage balance.
2. The retaining spouse's approximate income and any anticipated support (spousal/child) and its proposed duration.
3. The proposed buyout amount or refinance deadline being considered, if one exists yet.

That's usually enough for a same-week answer on whether the numbers are realistic — before anyone puts them in writing.