If homeownership after divorce is your goal, I’m your girl!
Let's make sure the decisions you're negotiating today support your homeownership goals tomorrow.
What is MDMP?
You don't need to become a mortgage expert to navigate divorce. You just need the right person asking the right questions before decisions become permanent. A Divorce Mortgage Planner helps you understand how the decisions you make during divorce may affect your ability to keep, refinance, sell or purchase a home.
My Divorce Mortgage Planning looks at how your divorce decisions and your mortgage fit together. It's about understanding what's actually possible before you agree to what happens to your home. We look at the intersection between your divorce agreement, your finances and mortgage lending guidelines so you can make decisions with a clearer picture of what is actually possible.
Understand your current mortgage and how divorce may affect it.
Explore your options for keeping, refinancing, assuming, selling or buying a home.
Understand what you may qualify for based on your income, debt, credit and other circumstances.
Identify potential mortgage problems before they become expensive problems.
Model different scenarios so you can compare possible paths forward.
Coordinate with your divorce team so your mortgage plan and settlement can work together.
What we do
Explain the mortgage side of your divorce
Explore potential financing scenarios
Identify lending considerations early
Help you understand your options
Help identify potential mortgage obstacles
Work alongside your professional team
What we don’t do
Give legal advice
Decide how assets should be divided
Replace your attorney
Replace your financial advisor
Replace your tax professional
Tell you what decision to make
Why is MDMP necessary?
Because the plan that makes sense on paper doesn't always work when it reaches the mortgage lender. A divorce agreement can be legally valid and still create a mortgage problem. You might be thinking “Why can't my attorney/lender/realtor just handle this?”:
Your attorney understands the law.
Your financial professional understands your broader finances.
Your realtor understands real estate.
A divorce mortgage planner understands how your divorce decisions interact with mortgage lending.
When is MDMP necessary?
Contemplating Divorce: You may not need a mortgage plan just yet—you may simply need answers. Karla can help you understand which questions to ask, what information to gather, and which professionals or resources may be helpful as you explore your options.
Beginning the Divorce Process: This is when My Divorce Mortgage Planning (MDMP) can make the biggest difference. Before decisions are made about the marital home, MDMP helps you understand your mortgage options and how different choices could affect your financial future.
Finalizing Your Divorce: Once decisions have been made and you're ready to put your mortgage plan into action, Karla can transition from your divorce mortgage planner to your mortgage lender with Sunflower Bank, helping you secure the financing needed to move forward.
The earlier, the better. You don't have to wait until you're ready to apply for a mortgage. The goal is to understand your mortgage options before making important decisions about your home and financial future.
Feeling overwhelmed? That's okay!
You don't need to know whether you should refinance.
You don't need to know if you qualify.
You don't need to understand mortgage terminology.
You don't need to have your entire divorce figured out.
You just need to start with a conversation.
The one thing we hear most often? “I wish I’d called sooner.”