CONFIDENCE DURING DIVORCE

Divorce Mortgage: Navigate Home Equity with Confidence

Empowers divorcing individuals to make informed decisions about their home equity and mortgage options, ensuring financial stability and clarity. This resource bridges the gap between divorce proceedings and mortgage lending, offering practical solutions tailored to your unique situation.

Emotional Stress and Uncertainty

Divorce mortgage planning eliminates stress and uncertainty by providing clear financial direction, tailored strategies for home equity solutions, and ensuring alignment with the divorce settlement. This approach empowers individuals to make informed decisions about their housing future with confidence and peace of mind.

Clarity and Confidence
Removes guesswork by providing clear, personalized mortgage solutions that fit within the parameters of the divorce settlement.
Financial Stability
Ensures clients understand their borrowing capacity and long-term affordability, reducing anxiety about their housing future.
Smooth Transition
Aligns real estate decisions with legal and financial goals, avoiding last-minute surprises or delays in the process.

Complexity of Home Equity Division

The division of home equity during a divorce is a complex process that requires careful consideration of legal, financial, and emotional factors. Determining the value of the marital home, understanding the equity available, and deciding whether to sell or retain the property can lead to significant challenges and disagreements. Without proper guidance, this process can result in inequitable settlements or financial strain for one or both parties. A well-informed approach ensures the division aligns with both parties’ goals and the broader settlement terms.

Accurate Valuation
Determining the true market value of the home is crucial to fairly dividing equity between spouses.
Financing Feasibility
Assessing one party’s ability to refinance or buy out the other ensures sustainable housing solutions post-divorce.
Tax Implications
Understanding potential tax consequences, such as capital gains or mortgage interest deductions, is essential to avoid future financial surprises.

Fear of Financial Instability

Fear of financial instability is a common concern during divorce, as individuals face uncertainty about their income, expenses, and future housing affordability. This fear often stems from a lack of clarity about financial resources, unexpected costs, or the potential loss of the marital home. Without a solid plan, the transition can feel overwhelming, leading to stress and hesitation in making key decisions. Addressing these concerns with expert guidance can provide peace of mind and pave the way for a secure financial future.

Income Uncertainty
A sudden shift in household income can create anxiety about maintaining current living standards.
Budgeting Challenges
Understanding and adjusting to new expenses, including housing and legal costs, can feel daunting.
Future Planning
Lack of clarity on long-term affordability can make it difficult to feel confident about decisions like keeping or selling the marital home.

Ready to stop constantly worrying?

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SEE HOW TAMI CAN HELP YOU

Them vs Tami Wollensak

How other help with mortgage

Generic Approach: Focused on standard mortgage solutions without considering the nuances of divorce settlements.
Transactional Mindset: Prioritizes closing deals over understanding your unique circumstances.
Limited Collaboration: Minimal interaction with attorneys, mediators, or financial advisors involved in your case.

How Tami helps with mortgage

Tailored Solutions: Specialized in divorce mortgage planning with strategies designed to align with your settlement and future goals.
Empathetic Guidance: Provides clarity, emotional support, and expertise to navigate complex financial decisions.
Collaborative Focus: Works closely with your divorce team to ensure seamless integration of real estate and financial planning.

LET'S DO A TEST AND...

What Other Mortgage Companies Do vs. How Tami Helps

See the difference between their services and Tami Wollensak.

Them

Tami Wollensak

Failing to Anticipate Divorce-Specific Guidelines

Many lenders are unfamiliar with the unique requirements of divorce-specific lending, such as structuring support payments and addressing title transfers, leading to delays or financing denials.

What Tami Does

As a CDLP®, Tami ensures your mortgage plan complies with both lender and divorce guidelines, proactively avoiding unnecessary issues and ensuring a smooth transaction.

Promising Results Without Understanding Unique Circumstances

Traditional lenders focus on closing loans without accounting for the complexities of divorce, which can result in misaligned or impractical solutions.

What Tami Does

Tami tailors her approach to your specific situation, analyzing your financial position and settlement terms to provide realistic, sustainable options that align with your goals.

Lack of Communication Throughout the Process

Poor communication leaves clients feeling uninformed and stressed during an already difficult time.

What Tami Does

Tami maintains clear, consistent communication with you and your divorce team, ensuring transparency and alignment at every step of the process.

Not Coordinating Title and Deed Work for Both Spouses

Some lenders overlook the importance of properly managing title and deed transitions, leading to potential legal and financial complications.

What Tami Does

Tami works collaboratively with all parties involved to streamline title and deed processes, safeguarding your interests and ensuring compliance with the settlement agreement.

Stress-free, step-by-step process

STEP 1

Consulting - Meeting with Me Directly

This step is simple and focused on understanding your unique situation, allowing you to get clear answers and feel confident about the next steps. By meeting with me, you’ll gain the clarity you need to move forward with your home and mortgage decisions during the divorce process.

Begin with an Open Conversation
Schedule a consultation to openly discuss your goals and concerns regarding the marital home.
Receive Personalized Guidance
This step ensures you get personalized guidance that directly addresses your divorce and housing challenges.
Create a Clear Housing Plan
By meeting with me, you’ll create a clear plan to navigate the complexities of your divorce and make informed housing decisions.

Book a 30-minute call

STEP 2

Client Application and Plan Development

This step is straightforward and designed to quickly gather the information necessary to create a strategic mortgage and housing plan. By completing this step, you’ll ensure that all financial elements are considered and that you can move forward with confidence.

Start with Financial Transparency
Simply provide your financial documents to begin the application process and move forward with clarity.
Understand Your Mortgage Options
Completing this step ensures you have a clear understanding of your mortgage options and financial positioning post-divorce.
Gain Actionable Insights
By submitting your application, you’ll gain actionable insights into how to address your home and mortgage needs efficiently during the divorce process.

STEP 3

Solution - Presenting the Plan or Assessing Options

This step makes it easy to review your personalized plan and ensure it fits perfectly into your settlement agreement. By doing so, you’ll have peace of mind knowing that your housing situation is addressed and that you are ready to take the next step in your divorce journey.

Adopt the plan
Accept the final mortgage and housing solution tailored to your needs, ensuring it aligns with your financial goals.
Analyze and improve
Review the plan with your team, and if necessary, make adjustments to ensure it fully supports your post-divorce goals.
Next Step for Empowerment
Move forward with confidence, knowing that your housing and mortgage plans are secure and integrated into your settlement.

They didn't skip booking a call with Tami

— Kimberly L

“Tami was amazing in every way! I can’t say enough good things about her. She was an instructor, a mentor and sometimes a friend. She just made the whole process better. I felt I always had someone on my side who had my back.”

— Jennifer

“Tami walked me through the whole process, and did a great job of keeping me up to date. I would recommend her to anyone looking for guidance during a loan process. She truly cares on a personal and professional level. ”

— Annalie B

“Tami and her entire team were knowledgeable, professional, and kind throughout the proces. There were factors beyond our control, but the team worked tirelessly, fighting for me and helping me get everything I needed with this mortgage. The team was always available to communicate with me, answer my questions, and find solutions for the challenges. I am grateful and highly recommend Tami and her team! ”

— Judith W

“Tami has been an incredible resource. She has spent a number of hours guiding and providing advice through one of the hardest times of my life…for free. She is kind and compassionate with an undeniable amount of empathy for everyone, especially those working through the confusing process of detangling a marriage. I can’t thank her enough for her support.”

— Melissa M

“Tami is fantastic! Working with Melissa M was fantastic, she also needed documentation but explained the need, requested it and followed up when I had questions. Barbara could be more effective if she was coached to not only demand information, but request it and explain the why behind it, plan to allow the client time to respond or gather resources, and follow up with clients in a timely manner.”

— Jae H

“I had a lot of questions about the loan process. Whenever I asked those questions, I got very quick and reliable responses, so I could understand the process well. The team is very professional.”

— Julie

“Thanks, Tami! I’m so thankful for your expertise and support and guidance. You know firsthand how emotionally and financially depleting this process can be. I’m just SO thankful I can keep my rate and terms.”

— Omar M

“Tami guided me through an extremely difficult and confusing process, and is ultimately the reason I was able to avoid having to refinance my home following a divorce – saving me tons of money and avoiding a terrible rate. I’m grateful and relieved. I know this sounds over the top, but it truly is a life-changing positive outcome for me. Thank you Tami. ”

— Paul A

“Good communications of the process and steps along the way. It was really helpful for me to go through a number of scenarios for the financing...Tami dedicated all the time needed and made all the changes live which helped me understand the financial decisions I needed to make.”

Your home equity advocate during divorce

Tami Wollensak, CDLP®, is a mortgage industry expert with over 25 years of experience. She specializes in helping divorcing individuals navigate home equity solutions during difficult times. As a Certified Divorce Lending Professional (CDLP®), Tami identifies potential gaps in divorce agreements that may impact the mortgage process. She collaborates with attorneys, mediators, and financial advisors to explore all options and achieve the best outcomes for divorcing couples' real estate.

You ask, we answer

What is divorce mortgage planning, and how can it help me?

Divorce mortgage planning is the process of evaluating your housing options, financial position, and settlement agreements to ensure that decisions regarding the marital home align with your long-term goals. It helps identify gaps in divorce agreements, determine eligibility for mortgage financing, and create a sustainable financial plan. By focusing on both the immediate and future impact of these decisions, it empowers you to approach your divorce team with clarity and confidence.

Can I qualify for a mortgage while going through a divorce?

Yes, you can qualify for a mortgage during a divorce, but it requires careful planning. Divorce mortgage planning assesses your current financial situation, including income, assets, and debts, to determine eligibility. It ensures that your settlement supports your ability to secure financing, whether you’re refinancing to keep the marital home or purchasing a new property. Working with a Certified Divorce Lending Professional ensures your unique circumstances are addressed to meet lender requirements.

What happens if my divorce agreement doesn’t align with mortgage guidelines?

If your divorce agreement doesn’t align with mortgage guidelines, it can delay or prevent financing. For example, improperly structured support payments or an unclear division of debt can cause issues. As a Certified Divorce Lending Professional, I work with your divorce team to identify and resolve these gaps, ensuring your agreement meets lender requirements. This proactive approach avoids costly mistakes and keeps your financial goals on track.

Should I keep the marital home or sell it during the divorce?

Deciding to keep or sell the marital home depends on factors like affordability, long-term financial goals, and emotional considerations. Divorce mortgage planning helps evaluate these factors by analyzing your income, expenses, and housing needs. It provides a clear picture of whether keeping the home is feasible or if selling it better supports your future stability. This informed decision-making process ensures the best outcome for your unique situation.

Let’s make this transition smoother—schedule your call now!

You deserve clarity and confidence in your next steps.
A well-informed decision today can secure your financial future.
Together, we’ll create a plan that’s tailored to your family’s needs.

Book a call