Financial Wellness for Families in Transition

Divorce mortgage planning | Mortgage, Real estate & Financial Guidance | Divorce Mediation Services

Everyone has heard the statistic that unfortunately half of all marriages end in divorce. In the majority of these divorce cases, there is real estate to be negotiated in order to get the case closed.

Going through a divorce isn't easy - especially when dividing real estate and navigating complex financial decisions. Navigating the financial turbulence of divorce demands specialized expertise.

I'm Jon Lucas, a Certified Divorce Lending Professional (CDLP) and Divorce Mortgage Consultant. I offer tailored mortgage solutions for divorcing clients. Working closely with attorneys and financial planners, I can help facilitate a seamless transition, whether you are refinancing existing properties or securing new homes, to support financial stability post-divorce.

Financial Wellness for Families in Transition

Divorce mortgage planning | Mortgage, Real estate & Financial Guidance | Divorce Mediation Services

Going through a divorce isn't easy - especially when dividing real estate and navigating complex financial decisions. Navigating the financial turbulence of divorce demands specialized expertise.

I'm Going Through

a Divorce

I am looking for resources and

professionals to help navigate my divorce.

I’m a Family Law

Professional

I am looking to connect

with a CDLP®, Certified Divorce

Lending Professional.

Meet Jon

My name is Jon Lucas and I am a Divorce Mortgage Consultant and a Certified Divorce Lending Professional (CDLP®). I have over 3 decades of experience in mortgage lending and I have focused my career on helping divorcing families settle their real estate situation in a way that is not only fair and equitable to both parties, but also possible to be obtained in the world of mortgage financing.

Earlier in my career I worked on several cases with divorcing couples, but the cases were unsuccessful because I was brought in too late in the process. Both sides agreed on a solution that was signed off on by the courts, but no one had gone through the process to find out if the agreed upon solutions were actually possible. They were not.

Recognizing that real estate often plays a pivotal role in divorce settlements, I became Rhode Island's first Certified Divorce Lending Professional (CDLP) in 2015.

As a Divorce Mortgage Consultant, I work with divorcing couples, attorneys, mediators, financial planners, and other professionals to find attainable solutions to the real estate problems associated with divorce. My team of professionals can help divorcing couples get through the process and hopefully remove some of the stress involved.

Jon Lucas, CDLP

Divorce Mortgage Consultant

NMLS #166133 

RI-166133 | MA-MLO166133

[email protected]

(401) 439-5777

Jon Lucas, CDLP

Divorce Mortgage Consultant

[email protected]

(401) 439-5777

Who Choose a Certified Divorce Lending Professional (CDLP®)?

Our clients are divorcing couples facing unique financial challenges, which requires guidance on complex intersection of divorce, real estate, and mortgage planning. We offer a wider range of services, including financial analysis, home equity solutions, tax optimization strategies, and collaboration with divorce professionals. The process is more complex and often extends beyond the divorce settlement, requiring planning adjustments based on changing circumstances.

Specialized Expertise
CDLP®s understand the nuances of divorce finance, such as how property division, spousal support, and tax implications can dramatically affect your mortgage options. They are trained to analyze the intricacies of your divorce settlement and its impact on your financial future.
Divorce Mortgage Planning includes options for:
- Property Division
- Financial Modeling
- Tax Implications
- Collaboration with other Divorce Professionals
Holistic Approach
Unlike pre-qualification, divorce mortgage planning with a CDLP® involves a deep dive into your current and future financial picture. They analyze not just your income, but also your assets, debts, and cash flow projections, ensuring a realistic assessment of your borrowing power from a mortgage perspective.
Our goal is to create a personalized financial strategy supporting long-term goals and financial security after divorce.
Investment in Expertise
CDLPs are specialized professionals who invest significant time and expertise in understanding the complexities of divorce finance.
We have specialized knowledge in family law, tax implications, real estate valuation, and mortgage planning in the context of divorce.
Client-Centric Focus
We are focused on the client's unique situation, including the financial and legal complexities arising from divorce. Our goal is to create a sustainable mortgage plan post-divorce
Collaborative Problem-Solving
CDLP®s actively engage with your divorce team, including attorneys, financial advisors, and mediators. They scrutinize the proposed settlement, identifying potential conflicts with mortgage guidelines and working collaboratively to develop strategies that optimize your financial outcome. This could involve exploring alternative financing options or restructuring debts to ensure mortgage eligibility.
Strategic Mortgage Planning
CDLP®s help you see beyond the immediate need for a mortgage. They assist in creating a long-term financial plan that aligns with your post-divorce goals, addressing issues like credit repair, debt management, and retirement planning strategies.

Ready to take the

next step?

Schedule your free 15-minute consultation with Jon Lucas today and start your journey towards financial stability and new homeownership.

Specialized Services

Divorce Mortgage Planning

Expert guidance tailored to your unique divorce situation, ensuring your housing decisions align with your post-divorce financial goals and lifestyle. We help you navigate the complexities of divorce-related mortgage options, empowering you to make informed choices that support your future.

Home Equity Analysis and Equity Buy-Out Analysis

We thoroughly assess the equity in your marital home(s) and offer strategies for property division, buyouts, or refinancing to maximize your financial outcomes. We clarify your home equity options, empowering you to negotiate fair settlements and secure your financial future.

Employment & Support Income Analysis

Comprehensive evaluation of your current and potential income sources, including employment, spousal/child support, self-employment, and investments, to determine your mortgage eligibility. We identify income strategies and maximize your borrowing potential, ensuring a smooth mortgage approval process.

Real Property Cash Flow Analysis

Detailed rental property income and expenses analysis to assess cash flow and determine financing options. We help you leverage rental property income to qualify for mortgages and achieve your investment goals.

Credit Analysis and Repair Support

We thoroughly review your credit history and scores and offer

personalized guidance on improving your creditworthiness and resolving joint debt issues. We help you improve your credit profile, increasing your chances of securing favorable mortgage terms and achieving financial independence.

Mortgage Assumption Facilitation

Streamlined assistance in transferring an existing mortgage to one spouse, including documentation preparation and communication with the lender. We simplify the mortgage assumption process, saving you time and ensuring a smooth ownership transition.

General Consulting & Litigation Support

Expert mortgage advice and support throughout the divorce process, including financial analysis, document preparation, and consultation for legal proceedings. We are your trusted mortgage advisor, providing expert guidance and support to protect your financial interests during divorce.

Mediation & Collaborative Support

Dedicated support during mediation or collaborative divorce processes, offering neutral expertise and guidance on mortgage-related issues. We facilitate constructive communication and help you reach mutually agreeable solutions that protect your financial well-being.

Expert Witness Reports & Testimony

Expert testimony and reports on mortgage-related matters for court proceedings, providing objective analysis and insights to support your case. We offer credible expertise and support to strengthen your legal position and achieve a fair outcome in court.

Divorce

Mortgage Guidance:

Expert advice and solutions

for managing mortgage debt

through divorce.

Refinancing Options:

Helping you refinance the

marital home to secure

favorable terms.

New Home Purchases:

Assisting in the purchase of a

new home post-divorce

with confidence.

Collaborative Approach:

Working closely with your

divorce team to ensure

comprehensive support.

Schedule a Call Today!

Fill out the quick contact form below and a member of our team will contact you or schedule your call today!

Jon Lucas, CDLP

Divorce Mortgage Consultant

[email protected]

(401) 439-5777

Site designed & maintained by Obsessed With Success Marketing.

Site designed and maintained by Obsessed With Success Marketing

Jon Lucas, CDLP

Divorce Mortgage Consultant

[email protected]

(401) 439-5777

Disclaimer: This is an offer for consultation services only. This is not an offer to extend credit. As your consultant, I am not taking a mortgage application, nor am I quoting rates or programs offered by any specific lender. Certified Divorce Lending Professional, CDLP™️ is a registered trademark of the Divorce Lending Association.