axia home loans – meridian

Divorce Mortgage Specialist

I know that the divorce process is often a very difficult and emotional time for families.

My goal is to help identify your needs and focus on those throughout the process. With so many other things calling your attention, I want to help identify any possible gaps in the case files to keep you and your assets protected.

Client Asset Protection

I will work to identify and protect the value of assets during and after the divorce process.

Client Asset Protection

  • I 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, I want to make sure you are getting full access to the equity that is awarded to you.
  • I 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.
  • I work with title companies to do a title search to check if there are any unpaid liens against the property.
  • I 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

I will work with you to verify your borrowing power for a mortgage to prevent any unforeseen roadblocks.

Mortgage Eligibility

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

I am certified and have received specific training tailored towards divorce. Very few lenders have this specified training.

Local Lender with RCS-D Designation

  • I understand the process of property division in divorce and help you protect your credit and access equity through the process.
  • I 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.
  • I 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

I have your back! Take a look at some important questions to ask yourself.

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)?

Meet Scott

SCOTT WUDARCKI – BRANCH MANAGER + SENIOR MORTGAGE ADVISOR | NMLS# 161812
cell  (208) 869-0132 | office (208) 515-2532
scott.wudarcki@axiahomeloans.com

Axia Home Loans | 1875 S. Cobalt Point Way
Meridian, ID 83642 | NMLS# 1549021

Get a Free Consultation

I’m not an attorney! Instead, I work in tandem with legal teams to help make sure clients are protected from all angles and have options moving forward. With my expertise and connections, I can help with all the above and so much more.

If you have any questions don’t hesitate to contact me. I don’t charge for consultation, and I’m more than happy to share my expertise with you.

 

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Axia Home Loans - Meridian

3009 112th Ave NE, Suite 200, Bellevue, WA 98004 | NMLS# 27830

© 2007 – 2024 AXIA HOME LOANS. NMLS# 27830. ALL RIGHTS RESERVED. AXIA HOME LOANS IS A REGISTERED TRADE NAME OF AXIA FINANCIAL, LLC. Licensed by the DFPI under the CRMLA 
© 2007 – 2024 AXIA HOME LOANS. NMLS# 27830. ALL RIGHTS RESERVED. AXIA HOME LOANS IS A REGISTERED TRADE NAME OF AXIA FINANCIAL, LLC. Licensed by the DFPI under the CRMLA 
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