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Some Advice Worth Taking (And It’s Free!)
Buying a home with someone other than your spouse? Whether it’s a sibling, friend, family member, or significant other, protect yourself with a cohabitation or co-ownership agreement!
Learn What a Cohabitation Agreement Is and Why It Matters
Educational & Professional Resources
Empowering divorce professionals and real estate agents with the mortgage knowledge they need to better serve their clients.
Monthly Divorce Webinar
Join Karla alongside a divorce attorney and divorce coach for a monthly conversation addressing the financial, legal and practical challenges of divorce. Click the image above to sign up!
Realtor Continuing Education | 2 Hours | Colorado DORA-Approved
A two-hour continuing education course for Colorado real estate agents focused on the divorce real estate niche, protecting mortgage qualification and helping clients navigate homeownership during and after divorce. Click the image above to schedule a class! (10 person minimum)
South Denver Collaborative Divorce
Interested in a Collaborative Divorce? Divorce doesn’t have to mean a courtroom battle. Learn how the collaborative divorce process works and whether it might be the right approach for you. Click the image above to learn more!
Continuing Legal Education | 2 CLE
A two-hour CLE course for attorneys and Licensed Legal Paraprofessionals (LLPs), focused on aligning divorce settlement agreements with mortgage lending guidelines and avoiding costly financing obstacles. Click the image above to schedule a class!
Attorney Lunch & Learns | 45 Minutes
Karla offers educational sessions for law firms focused on improving settlement negotiations, understanding mortgage qualification challenges and avoiding common pitfalls in today's housing market. Click the image above to schedule a class!
Build the Right Divorce Team
Divorce isn't one-size-fits-all, and neither is the team of professionals you choose to guide you through it.
Over the years, Karla has built relationships with experienced professionals across the divorce industry, including attorneys, mediators, financial specialists, real estate experts and more.
The MDMP team is happy to help connect you with professionals who may be a good fit for your unique circumstances, goals, and needs.
Explore the roles below to better understand how each professional can help, and don't hesitate to reach out if you'd like a personal referral.
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A family law attorney provides legal guidance and representation throughout the divorce process. They help clients navigate property division, child custody, spousal and child support, and the negotiation and preparation of legally binding settlement agreements.
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A Licensed Legal Paraprofessional (LLP) is a licensed legal professional who can provide certain legal services, including legal advice and limited representation in family law matters, within the scope permitted by their state.
LLPs may assist with divorce, parenting arrangements, financial support, and preparing legal documents. They can offer a more affordable alternative to traditional attorney representation for certain legal needs.
LLPs are not available in every state. Similar legal professional roles may have different titles, licensing requirements, and limitations depending on the state.
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A divorce mediator is a neutral third party who helps couples work together to reach agreements on important issues such as property division, parenting arrangements, and financial support.
Rather than representing either spouse, a mediator facilitates productive conversations, helps resolve disagreements, and guides both parties toward mutually acceptable solutions.
A mediator does not provide legal advice or represent either party's legal interests. Individuals should seek independent legal guidance to understand their rights and the implications of any proposed agreement.
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Your “what’s next?” and “what should I expect?” person.
A divorce coach may feel like one more expense during an already expensive process. But the right coach can actually help you save money by providing practical guidance that doesn’t require an attorney’s hourly rate.
Your attorney’s primary role is to provide legal advice and protect your legal interests. A divorce coach complements that work by helping you stay organized, prepare for conversations, manage conflict, and navigate the day-to-day challenges of divorce.
A divorce coach can help you:
Understand what to expect and identify your next steps.
Organize your questions and priorities before attorney meetings.
Prepare for mediation and difficult conversations.
Communicate more effectively with your spouse or co-parent.
Think through parenting schedules, routines, and concerns to discuss with your attorney or mediator.
Stay focused on your long-term goals when emotions run high.
Having someone to help you sort through nonlegal questions can make your time with your attorney more productive and may reduce unnecessary back-and-forth.
A divorce coach does not replace your attorney or therapist. They provide practical support to help you move through the process with greater clarity and confidence.
Interested in working with a divorce coach? We can help connect you with someone whose approach and experience fit your needs.
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A Certified Divorce Financial Analyst (CDFA®) is a financial professional who specializes in helping individuals understand the financial implications of divorce.
CDFAs analyze the short-term and long-term impact of dividing assets, retirement accounts, debts, and financial support. They help clients evaluate settlement options, understand potential tax consequences, and make informed financial decisions that support their future.
A CDFA often works alongside attorneys and other divorce professionals to help ensure settlement decisions make financial sense, both today and in the years ahead.
Learn more about Certified Divorce Financial Advisors (CDFA®)
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A Certified Divorce Lending Professional (CDLP®) is a mortgage professional with specialized training in how divorce affects mortgage financing and homeownership.
CDLPs help individuals understand their options for keeping the marital home, pursuing a mortgage assumption, refinancing, or selling and purchasing another property. They also understand how decisions involving support income, debt allocation, and asset division can impact mortgage qualification after divorce.
It's important to understand that not all CDLPs offer the same level of service. Some primarily use their certification to assist with mortgage origination, while others provide comprehensive, fee-based divorce mortgage planning to help clients evaluate their options and align settlement negotiations with mortgage lending guidelines before their divorce is finalized.
Learn more about Certified Divorce Lending Professionals (CDLP®)
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A Certified Divorce Real Estate Expert (CDRE®) is a licensed real estate professional with specialized training in handling real estate transactions involving divorce.
Unlike a traditional real estate transaction, selling a marital home during divorce can involve court orders, disagreements between spouses, complicated timelines, and significant financial consequences. CDREs are trained to navigate these challenges while maintaining neutrality and working alongside attorneys and other divorce professionals.
Not all Realtors have this specialized training, and not all CDREs work exclusively in divorce real estate. Choosing a professional who regularly handles divorce-related transactions can make a significant difference in protecting your interests, minimizing conflict, and successfully navigating the sale of your home.
Learn more about Certified Divorce Real Estate Experts (CDRE®)
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A real estate appraiser provides an independent, professional opinion of a property's value. During divorce, an accurate valuation can be essential when determining home equity, negotiating a property buyout, or dividing marital assets.
Divorce appraisals may require a retrospective valuation, also known as a look-back appraisal, to establish what a property was worth at a specific point in the past. In some cases, multiple valuations may be needed for different dates throughout the marriage.
Not all appraisers have experience with the unique requirements of divorce. Working with an appraiser who understands retrospective valuations, divorce proceedings, and potential court testimony can help ensure the appraisal is appropriate for the legal and financial decisions being made.
Unless you’re selling the home, we believe a professional appraisal is the only way you should establish its value for your divorce negotiations.
A Zillow estimate, a Realtor’s comparative market analysis (CMA), or another online valuation may be cheaper and easier. But when you’re negotiating what may be your largest asset, paying roughly $600 to $700 for a professional appraisal is money well spent.
A licensed appraiser evaluates your home’s condition, comparable sales, and current market conditions to provide a well-supported opinion of value. You deserve to negotiate with confidence in the number you’re using.
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Divorce can change your tax picture, and the timing of your decisions matters. You need a tax professional who understands the nuances of divorce, especially when a home is involved.
Will selling the home create a capital gains tax liability? What could happen if you keep it and sell later? How might finalizing your divorce before or after year-end affect your filing options?
A tax professional experienced in divorce can help you evaluate filing strategies, potential tax consequences, and the timing of your settlement so you understand what you’ll actually keep, not just what you’re awarded.
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Support for the emotional side of divorce.
Divorce involves more than legal paperwork and financial decisions. It can bring grief, anger, uncertainty, and changes to your identity, relationships, and everyday life.
A licensed therapist experienced in divorce can help you process those emotions, develop healthy coping skills, establish boundaries, and adjust to life during and after your marriage. When children are involved, the right therapist can also help you understand and support their emotional needs.
While a divorce coach helps you navigate the process and prepare for what comes next, a therapist focuses on your mental health and emotional well-being.
You don’t have to wait until you feel overwhelmed to seek support. We can help connect you with a therapist whose experience and approach fit your needs.
Informational Blogs
FAQs
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Divorce Mortgage Planning helps you understand how divorce decisions may affect your mortgage and future homeownership. Karla helps you explore your options and identify potential mortgage challenges before decisions are finalized.
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A Divorce Mortgage Planner focuses on understanding your options and how divorce decisions may affect mortgage qualification. A mortgage lender helps you apply for and obtain financing when you're ready to move forward. These roles serve different purposes and may happen at different stages of your divorce.
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In simple terms, this list is a good basis to follow throughout your divorce journey:
My legal rights → Attorney
My mortgage → Divorce Mortgage Planner
My home's value → Appraiser / Realtor
Selling my house → Realtor + Mortgage Planner
Buying a new house → Mortgage Planner + Realtor
Taxes → Tax professional
Dividing assets → CDFA / Financial professional
Communication with my spouse → Mediator / Divorce coach
I'm overwhelmed → Divorce coach / therapist
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Possibly. Even if you plan to sell, mortgage planning can help you understand the existing loan, potential obligations, and how your current mortgage may affect your ability to purchase another home.
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Ideally, before your divorce agreement is finalized. The earlier you understand your mortgage options, the more opportunity you may have to address potential challenges while decisions are still being discussed.
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Yes. MDMP can collaborate with your attorney, financial professional, mediator, realtor, and other members of your divorce team to help ensure mortgage considerations are part of the conversation.
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That depends on factors such as your income, debts, credit, available equity, mortgage terms, and potential support payments. Divorce Mortgage Planning can help you explore scenarios and understand what may be possible.
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Possibly. Depending on your loan, you may have options such as a mortgage assumption or other arrangements. Eligibility and requirements vary by loan type and lender, so it's important to review your specific situation before making decisions.
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Not necessarily. In some circumstances, you may be able to purchase before the divorce is finalized. Your ability to qualify depends on your individual financial situation, current obligations, and lender requirements. Planning early can help you understand your options.
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For an initial 20 minute consultation: $125
Your initial consultation is designed to help you understand your situation, identify your questions, and determine whether additional mortgage planning is appropriate.
Depending on your situation, your consultation may include:
Review of your situation
Initial mortgage analysis
Discussion of potential options
Identification of questions/next steps
Guidance on what information may be needed
A consultation is not a commitment to apply for a mortgage.
If you hire MDMP, depending on your situation you will require a 2-3 hour meeting with Karla. The rates for the meeting are $375 per hour.