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What is Our Divorce Mortgage Blueprint?

Divorce Mortgage Planning is a specialized advisory service designed to guide divorcing homeowners through the complex intersection of property division and mortgage financing. Since 2001, our Certified Divorce Lending Professionals (CDLP®) have partnered with attorneys and financial planners to develop tailored mortgage strategies that protect equity, meet settlement requirements, and promote financial stability for both parties.

Who Is It For?

• Divorcing Homeowners seeking to retain or sell the family home without unexpected financing roadblocks.
• Attorneys and Mediators who need a lending expert on their team to ensure that settlement terms align with mortgage underwriting guidelines.
• Self-Employed Individuals whose income documentation falls outside traditional channels and requires non-QM or alternative verification solutions.
• Clients with Complex Debt or Support Arrangements, including alimony, child support, and jointly held obligations that must be unraveled for clear loan approval.

Our Services

• Certified Expertise: Our President and Chief Legal Officer, Sean A. Stephens, Esq., CDLP®, CMB®, leads a dedicated practice group with deep experience in divorce refinancing and equity structuring.
• Refinance & Equity Buyouts: We analyze rate-and-term versus cash-out refinance options, maximize loan-to-value (LTV) for equity distribution, and structure buyouts that satisfy both parties and meet lender criteria.
• Self-Employed & Non-QM Options: For clients with non-traditional income, we offer bank-statement and asset-depletion programs alongside jumbo and other non-QM loans, ensuring qualification despite complex earnings profiles.
• Credit & Debt Strategies: Rapid rescoring, credit-report analysis, and deployment of the “6/36 Rule” for support payments help raise credit scores and optimize debt-to-income ratios ahead of closing.
• Support Planning: We integrate alimony and child support into mortgage qualification—ensuring periodic payments meet underwriting requirements and drafting settlement language that lenders accept.

Why Choose Metroplex Mortgage Services

• Decades of Divorce-Specific Lending: Since 2001, we’ve closed hundreds of divorcing-homeowner refinances with zero surprises on financing.
• Legal and Lending Alignment: We collaborate directly with attorneys to draft decrees that satisfy both the court’s intent and mortgage guidelines—remember, a legal option is not always a lending option.
• Comprehensive Solutions: From joint-debt removal to authorized-user disentanglement and self-employed loan design, every element of your financial separation is managed under one roof.
• Clear Communication & Service: Honest answers, accurate advice, and excellent service define our practice—so you can move confidently into your next chapter.

Call/Text: 813-935-8330

800-806-9836 Ext. 280

SeanS@MPLX.org

You can download our “Divorce Lending Blueprint for Success” by CLICKING HERE.