Client Asset Protection

• We want to make sure that the equity of a home isn’t decided or divided too early on in the process.
• With such an aggressive real estate market, we want to make sure you are getting full access to the equity that is awarded to you.
• We have a team that includes experienced home inspectors to make sure you are not left with a home that needs extensive repairs, has mold, or other damages that may leave you with additional costs.
• We work with title companies to do a title search to check if there are any unpaid liens against the property.
• We verify all mortgages on the property and check for HELOC or other lines of credit that may be affecting the equity in your home.

Mortgage Eligibility

• We make sure you can qualify for a house payment, whether you are selling the home, being removed from the title, or keeping the property.
• We verify new obligations such as child support and alimony and take each into consideration during the pre-approval process*.
• We offer credit repair tools and other resources to help you recover from the financial stress that may have occurred during the divorce process.
• We identify which debts and obligations belong to whom and help qualify you based on the debts that fall under your responsibility.

*Pre-approval is not a guarantee to lend

Local Lender with RCS-D Designation

• We understand the process of property division in divorce and help you protect your credit and access equity through the process.
• We work with you to avoid mistakes while dealing with real estate during divorce and create a timeline to keep you on track with any financial decisions.
• We have access to a team of professionals such as appraisers, home inspectors, title officers, insurance agents, CPAs, and more who are able to act as a liaison between all involved parties.

Questions to Consider

• Are you the resident spouse or departing spouse?
• Are both of you departing the residence?
• What are your goals for the next home purchase?
• Is your disbursement of equity predetermined?
• Do you have a 1st mortgage and HELOC or private trust deed or note?
• Are you currently paying payments through auto withdrawals in a joint account that you will be closing?
• Do you have a plan for mortgage payments during separation or duration of court until Judge’s signature so that your equity and credit is protected?
• Do you have original purchase papers of each property purchased during marriage (or prior to)?