What Makes A CDLP Different

Divorcing Your Mortgage

There are various divorce certifications in the marketplace today, but what makes a Certified Divorce Lending Professional (CDLP™) different?

Each team member has their own area of expertise in the collaborative divorce team because it would be impossible for one person to truly understand all of the different variables involved in ending a marriage.

Just as a divorce attorney makes sure agreements are legally sound, and a child specialist works to minimize the emotional impact of the divorce on the children, a CDLP™ focuses on helping clients achieve their dream of homeownership by ensuring they’re obtaining the right mortgage financing.

Some of the many ways a CDLP™ contributes to the success of the collaborative divorce team include:

  • Identifying potential conflicts between the divorce settlement, the mortgage, and the real property so they can be dealt with in a proactive way
  • Advising on mortgage financing options that can minimize taxes and interest expenses while maximizing cash flow
  • Helping a client who is relying on child support or spousal maintenance to qualify for a mortgage by ensuring the payment agreement is structured correctly
  • Analyzing consumer debt in accordance with the settlement agreement so that clients understand what steps they need to take to qualify for the most favorable financing options
  • Providing the information homeowners who wish to sell need to make smart decisions about their home equity options and assisting with equity buy-out preapproval as needed

Continuing Education is Required

Yes, there are Continuing Education requirements to maintain your CDLP™ certification. Here’s why it’s worth it. Continuing education is a broad term that describes learning acquired after a student has earned a certification or designation. Many professionals ask this question: If I already have the certificate, designation, or degree, do I really need continuing education?

The short answer is yes. In today’s rapidly changing industries, such as family law, financial and tax planning, and mortgage lending, ongoing education has become essential to career success and survival in virtually every field involved in the divorce space.

Attorneys, financial advisors, mediators, real estate professionals, and mortgage professionals must meet continuing education requirements as part of their professional development. Therefore, it would only make sense that a Certified Divorce Lending Professional (CDLP™) who is involved in all 5 of these aspects of the divorce would be required to have continuing education.

The CDLP™ certification is the only divorce real estate and mortgage program that offers and requires continuing education to meet its required standard of excellence. Divorce Mortgage Planning is the ability to put into play the desired outcome by pairing the needs and options available while incorporating the necessary details and clarity into an executable settlement agreement to obtain closure and peace of mind successfully.

Working directly with the divorce team, a CDLP™ incorporates divorce mortgage planning into the overall process with a unique and solid understanding of the intersection of family law, financial and tax planning, real property, and mortgage planning.

If you are looking to take out a Portland mortgage, The Lindley Team can walk you through the process and answer any questions you may have about mortgage rates and the different loan programs available in Oregon. Mortgages can be confusing to understand, especially if this is your first time buying a new home, so taking your time to research the mortgage process and seek out an experienced real estate agency is essential to the home buying process.

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