Essential Planning
Flat Fee: $900
Estimated Scope: 5+ Hours
The Essential Planning engagement is designed to provide divorcing homeowners with a clear, fact-based understanding of their mortgage and housing options during divorce. This structured planning service delivers analysis, guidance, and documentation necessary to support informed decision-making and productive collaboration with legal and financial professionals.
This engagement includes:
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Initial Consultation (60 minutes)
A focused one-on-one session to review your current financial profile, marital housing situation, and post-divorce housing objectives.
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Document Collection & Organization (45 minutes)
Guided collection and organization of key financial and mortgage-related documents required for accurate analysis.
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Financial Data Entry & Analysis (60 minutes)
Comprehensive review and analysis of income, assets, liabilities, and mortgage considerations relevant to divorce-specific lending scenarios.
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Divorce Mortgage Planning Report (Lite) & Presentation (60 minutes)
Preparation and review of a customized Divorce Mortgage Planning (DMP) report, including a clear explanation of available options, constraints, and strategic considerations.
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Ongoing Communication (Up to 2 hours)
Continued support via phone and email to address follow-up questions, provide clarification, and coordinate as needed with other professionals involved in the divorce process.
Strategic Planning
Flat Fee: $1,080
Estimated Scope: 6+ Hours
The Strategic Planning engagement is designed for divorcing homeowners who require a deeper level of analysis and coordinated planning with their professional team. This service builds upon foundational mortgage planning and incorporates direct collaboration with attorneys, mediators, and financial advisors to ensure alignment between legal strategy and mortgage feasibility.
This engagement includes:
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Initial Consultation (60 minutes)
A focused one-on-one session to evaluate your financial circumstances, marital housing considerations, and post-divorce housing objectives.
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Document Collection & Organization (45 minutes)
Structured assistance in gathering and organizing critical financial and mortgage-related documentation necessary for accurate planning.
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Financial Data Entry & Analysis (60 minutes)
Detailed analysis of income, assets, liabilities, and lending variables specific to divorce-related mortgage scenarios.
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Divorce Mortgage Planning Report (Lite) & Presentation (60 minutes)
Preparation and presentation of a customized Divorce Mortgage Planning (DMP) report, outlining viable options, constraints, and strategic pathways.
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Professional Consultations (Up to 60 minutes)
Collaborative discussions with your attorney, mediator, and/or financial advisor to align mortgage planning with legal and financial strategy.
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Ongoing Communication (Up to 2 hours)
Continued phone and email support to provide clarification, respond to questions, and support coordination among all parties involved.
Comprehensive Planning
Flat Fee: $1,620 – $2,160
Estimated Scope: 9–12+ Hours
The Comprehensive Planning engagement is designed for complex divorce matters involving multiple properties, business entity ownership, advanced income structures, or heightened coordination with legal and financial professionals. This service provides in-depth analysis, ongoing strategic refinement, and professional collaboration to support informed decision-making throughout the divorce process.
This engagement includes:
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Initial Consultation (60 minutes)
A detailed intake session to evaluate your financial profile, real property holdings, and short- and long-term housing objectives.
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Document Collection & Organization (45 minutes)
Structured assistance in gathering, organizing, and reviewing essential financial, mortgage, and real estate documentation.
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Financial Data Entry & Advanced Analysis (2–4 hours)
In-depth analysis of income, assets, liabilities, business interests, and real property to develop strategic mortgage and real estate solutions in more complex scenarios.
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Divorce Mortgage Planning & Real Property Report with Tax Implication Analysis (2–3 hours)
Preparation of a comprehensive written report addressing mortgage strategies, property division considerations, and potential tax implications for review in coordination with your CPA and legal counsel.
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Report Updates and Revisions (As Needed)
Ongoing updates to the Divorce Mortgage Planning & Real Property (DMPR) report as negotiations, disclosures, or circumstances evolve.
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Professional Consultations (Up to 2 hours)
Direct collaboration with your attorney, mediator, and/or financial advisors to align mortgage planning with legal and financial strategy and support case progression.
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Ongoing Communication (Up to 2 hours)
Continued support via phone and email to provide clarification, guidance, and coordination throughout the engagement.
Loan Assumption Facilitation & Divorce Mortgage Planning
Flat Fee: $1,080
Estimated Scope: 6+ Hours
Navigating a mortgage loan assumption during divorce requires careful planning, strict adherence to lender guidelines, and realistic timing expectations—factors that do not always align neatly with court-imposed deadlines. When properly executed, a qualified loan assumption allows one spouse to assume the existing mortgage while removing the other spouse from future liability. However, lender approval is required, and the assuming spouse must independently meet the lender’s financial and underwriting standards. A legal transfer alone does not guarantee a release of liability.
This specialized service provides strategic divorce mortgage planning combined with hands-on guidance throughout the loan assumption preparation process, helping ensure that settlement terms, documentation, and qualification strategy align with lender requirements.
This engagement includes:
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Divorce Mortgage Planning Integration
Review of proposed or finalized settlement terms to ensure alignment with mortgage qualification and loan assumption requirements.
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Document Preparation & Submission Guidance
Assistance with gathering, organizing, and preparing required financial and legal documentation for submission to the mortgage servicer.
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Financial Qualification Strategy
Evaluation of income, assets, debts, and credit considerations to assess eligibility and proactively address potential qualification challenges.
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Lender Process & Requirement Education
Clear explanation of the loan assumption process, lender-specific expectations, timelines, and approval steps.
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Collaboration with Your Divorce Team
Coordinated communication with attorneys, mediators, financial professionals, and real estate experts to support a smooth and informed transition.
Important Disclosures
No Guarantee of Approval
Loan assumption approval is determined solely by the mortgage servicer and is subject to underwriting guidelines, credit evaluation, and lender discretion.
Lender Authorization Requirement
Some mortgage lenders require the borrower to initiate the process directly before recognizing or authorizing third-party involvement. Divorce Loan Pro will advise when this step is necessary and assist in preparation; however, lender authorization policies are outside of our control.
Additional Services & Litigation Support
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Navigating property and mortgage decisions during divorce can be challenging. Contact us today for an expert consultation to discuss your specific needs and find the right solutions.