Podcasts about cdlp

Welcome back to another episode of Divorce at Altitude! This week, host Ryan Kalamaya is joined by Certified Divorce Lending Professional (CDLP) Karla Kyte to discuss the critical intersection of divorce and real estate. With real estate prices and mortgage rates making headlines, it's more important than ever for divorcing individuals to understand how homeownership, refinancing, and mortgage assumptions play a role in their financial future.Karla brings 27 years of lending experience in Colorado and specializes in helping divorcing clients navigate the often-overlooked financial challenges of property division and home financing. This episode is packed with key insights on common misconceptions, financial pitfalls, and essential planning strategies for divorcing homeowners.Episode Highlights:Why Real Estate is a Critical Factor in Divorce: Ryan and Karla discuss why nearly every divorce involves the marital home and how real estate decisions can have long-term financial consequences.The Impact of Child Support & Spousal Maintenance on Loan Qualification: Learn how temporary and permanent support orders affect mortgage approvals, including why three years of support is often required for financing.The Hidden Challenges of Refinancing & Mortgage Assumptions: Karla dispels myths about mortgage assumptions and explains why simply “taking over” a loan isn't as easy as it sounds—and why a refinancing strategy may be more beneficial.Buying a Home Before the Divorce is Final: Can you buy a home before your divorce is finalized? Yes—but only if specific legal and financial conditions are met. Karla breaks down the steps necessary to make this work.Why You Need a Certified Divorce Lending Professional (CDLP): Many divorcing individuals unknowingly agree to settlements they can't execute, leading to forced home sales and financial hardship. Karla explains why early mortgage planning is crucial and how a CDLP can help prevent costly mistakes.Key Takeaways:Misconceptions About Mortgage Lending in Divorce: Many attorneys and lenders misunderstand mortgage qualifications for divorcing clients. Karla reveals the most common mistakes that can derail home financing.Temporary Support & Its Role in Home Loans: Establishing court-ordered temporary support early in the process caWhat is Divorce at Altitude? Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado. To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at info@kalamaya.law. ************************************************************************ DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.

Is now a smart time to buy a home—or just a risky financial move?On this episode of Women's Money Wisdom, host Melissa Joy, CFP® sits down with returning guest and mortgage specialist Erica Powers CMPS®, CDLP®, NMLS#739673. First Merchants Bank is an Equal Housing Lender and a Member FDIC. She unpacks the ever-changing housing market and what it means for your money moves.With over 20 years of experience and certifications in divorce lending and mortgage planning, Erica helps us cut through the confusion about mortgage rates, affordability, and refinancing strategies. Together, Melissa and Erica explore:

Meet Jeffrey Landers: I spoke to Jeffrey Landers, CDLP, CDFA  about his company, Divorce House Sense, LLC and his new book, Divorce House Sense: How To Keep Your Marital Home So You Can Move On, Not Out. The book will help divorcing people nationwide who want to keep their marital home. In addition to discussing his book he also shared his personal story of being married for 34 years and now divorced. You can find Jeffrey here:https://www.linkedin.com/in/jefflanders/ https://www.facebook.com/jeff.landers.9210/

It's a question I hear time and time again from people getting divorce: Will I be able to keep my home in the divorce? My guest in this episode is Jeff Landers, CDLP®, CDFA®, and author who has dedicated his career to helping people stay in their homes if that's what they want. Jeff has so much knowledge and many wonderful tips. Learn more: https://www.divorcedgirlsmiling.com/homeownership-after-divorce-the-emotions-and-financial-reality/

Gábor Andris, vagyis Bigfoot Preston, az Ozone Mama főnöke és dalszerző/gitárosa karrierje első szólóalbumával jelentkezik! Ennek apropóján hívtam meg egy beszélgetésre, hogy végigvegyük, mi is vezetett idáig!CD rendelés:https://grundrecords.hu/bigfoot-preston-light-up-my-darkness-cdLP rendelés:https://grundrecords.hu/bigfoot-preston-light-up-my-darkness-vinylJegyek a lemezbemutatóra:https://www.tixa.hu/bigfoot-preston-light-up-my-darkness-lemezbemutato-koncert-20250322A koncert Facebook eseménye:https://www.facebook.com/events/576614081612377Bigfoot Preston a Bandcampen:https://bigfootpreston.bandcamp.com/Bigfoot Preston a Facebookon:https://www.facebook.com/bigfootprestonBigfoot Preston az Instagramon:https://www.instagram.com/bigfoot.preston/Ric$ a Facebookon: https://facebook.com/szenegetorichard Ric$ blogja: https://ricsandgreen.hu Ha bármi észrevétel, hozzáfűznivaló, témaötlet van, azt a rics@ricsandgreen.hu címre küldhetitek! Ha szeretnéd, hogy több videó készüljön, akkor támogasd a csatornát a https://patreon.com/ricscast oldalon, használd a "köszönet" gombot, vagy vásárolj pólós csomagot a Facebook oldalamon! Ha szeretnéd hamarabb megnézni a videókat, válaszd a csatornatagságot! Köszönöm! Intro zene: Szehoffner PéterIntro hangok: Papp János színművész, Horváth Martina, Danko Jones, Szehoffner PéterA műsor az NKA támogatásával készült!

Pelle har varit på safari i Botswana och lyckats med den kanske mest imponerande bedriften i poddens historia; att packa 9 kg för en resa på 9 dagar. Andreas har varit på pyjamasparty med CDLP på Grand Hotel i Stockholm där den lyxiga Long Stay Suit stod i fokus. Det blir även svar från er lyssnare kring Derbyn. Hosted on Acast. See acast.com/privacy for more information.

Cornelis Olsen, grundare av COI Agency, gästar Under 15 och avslöjar hur du optimerar varje steg av kundresan i Shopify. Vad har de lärt sig av att arbeta med framgångsrika bolag som CDLP, Boxbollen, Maria Nila och Aarke? Hur skapar man en e-handel som faktiskt konverterar och ger en bra upplevelse - även vid expansion? Vi diskuterar också vad krävs för en sömlös checkout och hur design påverkar helhetsintrycket. Så missa inte denna intressanta kvart!  Glöm inte prenumerera på avsnittet och följ oss på instagram

Send us a textAndrew chats with Jennifer Brown, a Certified Divorce Lending Professional. They discuss the various mortgage financing options available to divorcing couples, including potential mortgage assumptions. Thanks for listening! We'd be very grateful if you'd subscribe to the podcast and give us 5 stars! Please visit Transcend Retirement or Wiser Divorce Solutions. Follow Andrew on LinkedIn too!

I modevärlden har det under senare år rått lite av en kysk klosterstämning. Men där har man tidigare verkligen inte sparat på krutet när det gäller att använda sig av just sex. Och efter visningarna inför nästa års vårmode i Paris verkar det faktiskt som om sexet är tillbaka. Hur kommer det tas emot den här gången? Lyssna på alla avsnitt i Sveriges Radio Play. I början av 1970-talet döpte den brittiska designern Vivienne Westwood sin första butik kort och gott till ”Sex”. En butik där punkmodet började ta fart, ett mode inspirerat av så kallad bondage. Och sedan rullade det på i allt snabbare takt. I början av 2000-talet började man till och med tala om en sorts ”porrifiering” av modet. Inte minst tack vare att då trendskapande fotografer skapade den ena kontroversiella bilden efter den andra.Men efter metoo blev många försiktiga med att spela på några som helst erotiska strängar,. Till och med ordet ”sexy” började betraktas som ofräscht när det gällde marknadsföring. För vem skulle vara sexig, för vem? Och hur? Och vem bestämde det? Istället växte en flora av ord som ”female empowerment” och ”self-expression” fram.Men efter visningarna inför nästa års vårmode i Paris nyligen så löd i alla fall en rubrik: ”sex is back on the table”. För flera stora modemärken som Hermès, Stella McCartney och Balenciaga visade en hel del vågade plagg, jämförelsevis. Det var skira halvt genomskinliga byxor och blusar, extremt lågt skurna jeans – även för killar – och en hel del underkläder i form av BH:ar och strumpeband av spets. Och på tal om just underkläder så re-lanserade märket Victoria's Secret sin stora spektakulära modeshow i tisdags.I veckans program möter vi Billy Andersson, printredaktör på tidningen Resumé, som rapporterat mycket om klädföretaget American Apparel och deras chockerande sexuella bilder. Christian Larson är creative director på underklädesföretaget CDLP – han berättar om hur de gestaltar sexighet idag, framför allt när det gäller män. Jacob Östberg, professor i företagsekonomi på Stockholms universitet, förklarar hur man gör för att ta över och förnya ett varumärke.Veckans gäst är Philip Warkander, universitetslektor i modevetenskap, som diskuterar varifrån de sexuella influenserna kommer idag.

What is a Certified Divorce Lending Professional and why do you need one on your team? In this episode, Nikki is joined by Emile Flowers, a Certified Divorce Lending Professional (CDLP). Emile sheds light on the often overlooked aspect of divorce — mortgage planning. As a CDLP, Emily plays a crucial role in ensuring that divorcing clients are set up for success post-separation, particularly when it comes to housing and financial stability. Emile shares her journey from being a stay-at-home mom to becoming a key player in the divorce lending field. She explains how crucial it is to involve a CDLP early in the divorce process to avoid issues like incorrect settlement agreements and financial pitfalls. Together, Nikki and Emily discuss the importance of bringing the right professionals into your divorce team, ensuring that both parties come out of the process financially secure. Listen in to hear Emile's top tips. Host: Nikki Parkinson, TEDx Speaker, Divorce Doula, Coach and Founder of The Divorce and Separation Hub. Connect with Nikki Parkinson here Website Instagram Facebook Linkedin Join our Divorce and Separation community HERE. Sign up to "How to Tell Your Kids you are Separating Program" Waitlist HERE. Watch Nikki's TEDx Talk HERE. Guest: Emile Flowers Emile's Website. Connect on Instagram here. Email Emile HERE. Executive Producer and Editor: Tiffany Richmond. You can contact Tiffany via her website and on Instagram @tiff__richmond. This episode is sponsored by Simple Separation. You can find our more about Simple Separation HERE.

I veckans avsnitt av Framtidens E-Handel pratar Björn och Chat GPT om framgångsfaktorer för e-handel från 2024 till 2030 och hur man kan ligga steget före konkurrenterna.01:17 Hur du får tillgång till Chat GPT02:08 Kan Chat GPT vara på dåligt humör? Vi frågar AI03:06 Stora e-handelsutmaningar 2021-2022: Vem krossade konkurrensen och vem föll?04:39 Viktiga framgångsfaktorer för e-handel 2024-203005:28 Därför misslyckades Verdane med att sälja Caia Cosmetics06:29 Varför LVMH fortsätter dominera lyxmarknaden08:37 Bolagen som Warren Buffett och NA-KD:s grundare Jarno Vanatapio skulle köpa09:14 Filip Tysanders topp 3 lärdomar från Daniel Wellington + Chat GPTs utmaning med dialekter10:30 Varför CDLP förlorar pengar och hur de kan bli lönsamma12:52 Kan CDLP bli nästa stora förvärv för LVMH?13:17 Vi sätter Chat GPT på prov: Kan AI hantera stress?14:33 Finns det frågor som inte ens AI kan svara på?15:34 Kommer AI ta över världen? Vi pratar framtid och risker16:13 Vanliga misstag inom e-handel, förklarat med skånsk dialektHär hittar du Chat GPT:https://openai.com/chatgpt/ Följ Björn på LinkedIn:https://www.linkedin.com/in/bjornspenger/ Följ Framtidens E-handel på LinkedIn:https://www.linkedin.com/company/framtidens-e-handel/ Besök vår hemsida, YouTube & Instagram:https://www.framtidensehandel.se/ https://www.instagram.com/framtidens.ehandel/ https://www.youtube.com/channel/UCEYywBFgOr34TN8NtXeL5HQSponsor:https://www.juni.co/ Poddproducent och klippare Michaela Dorch & Videoproducent Fredrik Ankarsköld:https://www.linkedin.com/in/michaela-dorch/ https://www.linkedin.com/in/ankarskold/ Tusen tack för att du lyssnar!Support till showen http://supporter.acast.com/framtidens-e-handel. Hosted on Acast. See acast.com/privacy for more information.

Exclusive Members Only Episode: Moving Out and Handling House Issues in Divorce  In this special Members Only episode, Susan dives deep into one of the biggest and most important topics in divorce—the house. If you and your spouse share a home, whether it's owned or rented, the decision of when to move out or how to handle the residence is a critical one, with many emotional and legal considerations. In this episode, you will learn: The potential risks of moving out of a shared home during divorce—both practical and legal. How to protect your valuable items and important documents if you leave. The financial impact of maintaining two households and how it may affect your decisions. Considerations around children and parenting time when one spouse moves out. What to do if domestic violence becomes a concern. Legal implications and questions surrounding home ownership, including whether you can “lose” the home by moving out. The practicalities and legalities of changing locks or gaining exclusive possession of the marital residence. How to work with your mediator or attorney to come to agreements that protect your interests. As a special bonus for listeners, this episode has fewer ad breaks and is focused entirely on giving you the actionable advice you need.  If you've enjoyed this special members-only episode and found the information helpful, let me know if there are other topics you'd like to hear me talk about. Divorce is a journey, and I'm here to guide you beyond. Stay tuned for more special episodes coming your way, and be sure to check out the next one on what to do with your house when you jointly own it in a divorce. Other Episodes About the House to Listen to: Mortgage Must-Knows for Divorce from Tami Wollensak, CDLP on The Divorce & Beyond Podcast It's All About the House: What You Need to Think About Before You Decide to Keep It with Tami Wollensak, CDLP Divorce, Mortgages, and Moving On: What You NEED to Know with Zachary Taylor on Divorce & Beyond Join our Community: Follow us on Instagram at @divorceandbeyond for daily tips, encouragement, and insights. Remember: You're not alone on this journey, and we're here to help you move through your divorce and onto your bright future! MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, has been nationally recognized as one of the top family law and divorce mediation attorneys in the country for more than 30 years.  Susan is the Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here: https://susaneguthrie.com Divorce & Beyond is a Top 1% Overall and Top 100 Self-Help podcast designed to help you with all you need to know to navigate your divorce journey and most importantly, to thrive in your beautiful beyond!   ***************************************************************************** SPONSORSHIP OPPORTUNITIES AVAILABLE! If you would like to sponsor the show please reach out to us at  divorceandbeyondpod@gmail.com for pricing and details!!! ********************************************************************* Remember to follow Susan Guthrie on social media for more content: Susan on Instagram @susanguthrieesq Finally, we'd really appreciate it if you would  give us a 5 Star Rating and tell us what you like about the show in a review - your feedback really matters to us!  ***************************************************************************** DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM  

Unlock the secrets of financial stability during one of life's most challenging transitions with our conversation featuring Certified Divorce Lending Professional Kim Pauley. Prepare to find clarity amidst the turbulence of asset division as we discuss strategic financial planning in divorce, particularly when it comes to the marital home. Kim, a seasoned CDLP, joins us to unravel the intertwined relationship between emotional well-being and financial security post-separation. This episode is a must-listen for anyone facing the daunting task of reorganizing their financial life after a marriage ends, offering invaluable insights into the critical importance of considering future living arrangements and their impact on overall recovery.  Gain an edge with the collaborative wisdom of a dedicated divorce mortgage lending professional. Our discussion ventures into the nitty-gritty of legal and tax implications, debunking myths around loan qualifications, and presenting alternative pathways to securing a mortgage in the post-divorce landscape. Kim brings her expertise to the forefront, equipping you with the knowledge to pose the right questions and make informed decisions. We shine a light on the pitfalls of uninformed financial advice and emphasize the necessity of expert guidance during such a pivotal moment. If you're navigating the complexities of a divorce, this episode will arm you with the tools and confidence to emerge with a solid financial foundation.

Because interest rates continue to stay high, people are looking for other options than to refinance. Karla Kyte, Mortgage Lender, CDLP, and Divorce Mortgage Planner is my guest in the episode and guess what? She's got a GREAT option for you if you are trying to stay in your home but can't afford high interest rate payments. We are talking about mortgage loan assumptions and everything you need to know. Learn more here: https://www.divorcedgirlsmiling.com/the-hottest-topic-in-divorce-mortgage-loan-assumptions/

The rates are high in the mortgage world. There's no denying it! In this chat, Melissa Joy dives into the ever-changing landscape of mortgages with guest Erica Powers, CMPS®, CDLP®, NMLS#739673. First Merchants Bank is an Equal Housing Lender and a Member FDIC. We'll spill the beans on today's mortgage scene, chat about savvy refinancing moves, and talk about some little-known home buying hacks. Plus, we'll bust some mortgage myths wide open! It all starts with being well-informed.Listen and Learn1. Are the rates high? We talk historical averages for some comparison.2. Buy now or wait for the rates to drop? Homebuyers get some advice on waiting, prices, and limited inventory.3. How to add up the costs of homeownership (property taxes + insurance + maintenance).4. Refinancers beware! How to balance the costs, potential savings, and long-term financial impact of your refi.5. Special tips for first-time homebuyers to help bridge the gap between savings and that hard-to-reach down payment.Links are being provided for information purposes only. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

We would LOVE to hear what you think. Please drop a line.On this episode we talk with CT artist Dane Byrd Morris. Who was a hip hop artist, but wanted to contribute to the music culture in a different way. He goes into his earlier years as a hip hop artist and talks about the transformation into a graphic artist. Who now designs CD/LP covers. He explains how graphic art has been a passion for him since an early age. We found this interview to be very interesting. He also talks about his inspirations on both the music aspect and the digital art aspect. Support the Show.

CDLPs medgrundare Andreas Palm gästar podden Framtidens E-Handel och pratar om sin nya privata resa mot ett mer balanserat liv och hur man försäkrar sitt kundvärde. Andreas är tidigare med i avsnitt 121.1:45 min - Hur skiljer sig modebranschen från andra?6 min - Hur förmedlar man produktvärde inom mode?8:30 min - Om CLDPs branding13 min - Hur hanterar han stress?22:30 min - Hur ser deras 2023 ut?34 min - Hur ser marknaden ut just nu?36 min - Vad har LVMH och CDLP för samtal tillsammans?38 min - Andreas tankar kring trend.40 min - Skillnaden mellan hype och kult.43 min - CDLPs absolut största kundvärde.52:30 min - Vad är hans känsla för 2024?55 min - Hans största lärdomarHär hittar du Andreas & CDLP:https://www.linkedin.com/in/andreaspalm/ https://cdlp.com/ Följ Björn på LinkedIn:https://www.linkedin.com/in/bjornspenger/ Följ Framtidens E-handel på LinkedIn:https://www.linkedin.com/company/framtidens-e-handel/ Besök vår hemsida, YouTube & Instagram:https://www.framtidensehandel.se/ https://www.instagram.com/framtidens.ehandel/ https://www.youtube.com/channel/UCEYywBFgOr34TN8NtXeL5HQSponsor:https://www.juni.co/ Poddproducent Michaela Dorch:https://www.linkedin.com/in/michaela-dorch/ Tusen tack för att du lyssnar!Support till showen http://supporter.acast.com/framtidens-e-handel. Hosted on Acast. See acast.com/privacy for more information.

Today, we're joined by Taylor Briggs, CDLP. Taylor is the Vice President of Peoples Mortgage Company from Virginia Beach, Virginia, who's been in the industry for over 10 years. Taylor has been featured in the Scotsman Guide and also was in the 2021 Top 100 People in Real Estate Magazine.   Taylor is here to discuss: → The importance of prospecting, time blocking, and social media. → How he grew a referral based business and cut his teeth on harder files. → And how to build a team and achieve work/life balance and avoid burnout.   People's Mortgage Website: www.peoplesmortgage.com Taylor Briggs' Facebook: @TaylorBriggs Taylor Briggs' LinkedIn: @TaylorBriggs Taylor Briggs' Instagram: @gbrig005   Loans On Demand Website: www.loansondemand.io Loans On Dmeand Instagram: @loansondemand Luke Shankula's Facebook: @LukeShankula Luke Shankula's LinkedIn: @LukeShankula Luke Shankula's Instagram: @lukeshankula

Listen in on our live stream episode with Certified Divorce Lender, Josh Bucio with Waterstone Mortgage. Josh and Rhonda discuss all the things to consider when considering keeping or selling your home in divorce. You might be surprised to learn you CAN keep it, if you want to. Topics they cover:   Supply and demand and how that affects the market Stay at home moms DO have options Interest rates and loan assumptions Find the RIGHT team Be realistic and get creative! About today's guest: Joshua Bucio, CDLP is a Certified Divorce Lender and Mortgage Broker with Waterstone Mortgage. Josh helps people who are either thinking about divorce or started the divorce process.  Whether the plan is to stay in the house or buy the next house, Josh can help you know how to qualify ahead of time. Many people don't realize you can create a plan around this and don't have to wait until a divorce is finalized.   Josh has been helping people with mortgage loans for 18 years and will go through specific numbers to help you understand your options, all while having a team to provide an elite level of communication and service.    Connect with Josh:   Waterstone Mortgage Website   Facebook   Instagram   LinkedIn Your host is Rhonda Noordyk, CDFA®, CEO of The Women's Financial Wellness Center   Rhonda has dedicated her career to being an advocate for women and educating them on how financial strategies can impact their personal and professional success. Her work has shown women going through a divorce how to have a voice, be assertive, get results, be driven, and move forward with confidence.    For Rhonda and her company, the Women's Financial Wellness Center, helping women isn't just about running the numbers. It's about asking the right questions, demystifying myths and biases around finances, and helping women walk in their power. Rhonda is passionate about helping her clients navigate a broken system and level the playing field so they can achieve success—pre, during, and post-divorce.   

What is a Certified Divorce Lending Professional, a CDLP? Karla Kyte is a mortgage lender and a CDLP and she explains the advantages of working with one. Karla also offers advice on everything mortages when it comes to divorce. Learn more: https://www.divorcedgirlsmiling.com/what-is-a-certified-divorce-lending-professional/

To mark Monocle on Design's partnership with the Copenhagen International Fashion Fair, we're taking a look at how one of Europe's most inspirational trade platforms supports the growth of best-in-class brands from Scandinavia and beyond. Monocle's fashion editor, Natalie Theodosi, is joined by Sofie Dolva, director of the Copenhagen International Fashion Fair, Andreas von der Heide, co-founder of menswear brand Les Deux and Andreas Palm, founder and CEO of the Swedish men's and women's luxury essentials brand CDLP.See omnystudio.com/listener for privacy information.

In this episode of the Amicable Divorce Network podcast we sit down with Tami Wollensak, a Certified Divorce Lending professional. Tami and Tracy discuss the impact of decisions made with your mortgage during divorce, common misconceptions, and what to think about in regards to your home as you navigate divorce. Tami is available to assist as a mortgage lender in all 50 states and you can find more info about her and her services at her website. As always be sure you subscribe to the Amicable Divorce Network podcast so you don't miss an episode.

In Episode 33 of The Gray Divorce Podcast, I chat with Certified Divorce Lending Professional John Drennen. We discuss the topic of reverse mortgages, an often misunderstood financing option for older homeowners. You can download the Client Data File here.Thanks for listening! We'd be very grateful if you'd subscribe to the podcast and give us 5 stars! Please visit Transcend Retirement or Wiser Divorce Solutions. Follow Andrew on LinkedIn too!

Today we are joined by Certified Divorce Lending Professional (CDLP®), Tami Wollensak. Tami shares how she helps her clients before they sign their settlement agreement by creating different options for them and making them aware of what those options look like, allowing them to make a better informed decision, and ultimately have a better divorce. Tami also shares advice on what to look for when considering negotiating a new mortgage after divorce, or keeping your current mortgage. Tune in today to learn more from a CDLP and receive a free resource.  In this episode: [1:30] Tami shares why she became a CDLP. [4:30] What to look out for regarding rising interest rates and negotiating a new/current mortgage. [7:00] Tami shares her thoughts on keeping the home for the kids. [10:50] Tami and Lesa discuss their resource that they've created for Doing Divorce Different listeners. [14:00] Tami shares her thoughts on owning a home together after a divorce. [18:17] Tami discusses interest rates and creating a customized Divorce Mortgage Plan. [23:00] Tami's advice on building a team of professionals around you through your divorce.  Key Takeaways:  Knowing what you are signing up for helps bring peace to you and gives you clarity on what your divorce budget will look like. It's really important to make sure that you know what you are doing and what you are signing up for during your divorce settlement. It's not about having a big giant house and a mortgage that you can't handle, it's about creating a safe space for your children, a warm and loving environment that they feel loved in. Divorce Settlements are not a one size fits all, so it's important to work with a Certified Divorce Lending Professional (CDLP®) to create a plan that works best for you and your family, and ultimately, have a better divorce.  Quotes:  “I realized I could make a difference by helping people before they sign their divorce settlement by creating different options for them and making them aware of what those options look like, then they could make a better informed decision for them and their families, and ultimately have a better divorce.” Tami Wollensak Guest Bio:  Tami Wollensak is a licensed mortgage loan originator and a 28+ year veteran of the industry, she has experience working in multiple roles and facets of the industry. She has discovered her true passion in helping divorcing individuals navigate their home equity solutions and mortgage options while going through the most challenging time of their life. Tami has earned the certification as a Certified Divorce Lending Professional (CDLP®). This specialization provides the ability to identify potential gaps in the agreement that cannot be met during the mortgage process. Tami works with her client's attorney, coach, mediator, or financial advisor to help guide them through all the options available to ensure a successful outcome regarding the divorcing couple's real estate or future purchase. Tami has been a guest on multiple podcasts, speaks regularly and contributes to many media outlets on divorce mortgage planning and helping divorcing homeowners to make better and more informed decisions when it comes to their real property. As a Mortgage Loan Originator, Tami's goal is to educate her clients, take the mystery and anxiety out of the mortgage process, and provide a sense of security and peace to each of them. Tami can lend in all 50 states. (NMLS #1963450) Resources:  Divorce Essentials: A Guide To A Successful Split Book A Meeting with Tami Take Or Leave The House Website Tami's Facebook Tami's LinkedIn Tami's Instagram Lesa Koski Website Lesa's Online Courses To receive real-time alerts that your child is safe and to receive $50 off your Soberlink device, visit https://www.soberlink.com/partners/different The Onward app was made for divorced parents to help track, share, and split their children's expenses. Download The Onward App today for iOS or Android!

Our clients often face big decisions about real estate, especially the marital home, but as we'll discuss today, money matters in divorce aren't just about the numbers. They frequently get complicated by big emotions, so we thought our guest Jody Bruns would be the perfect expert to talk us through the best way to support our clients in making smart, strategic  decisions when it comes to mortgage financing.Jody is President and Founder of the Divorce Lending Association and is credited with establishing industry certification programs for both real estate and mortgage professionals working with divorcing clients. Jody takes her knowledge further as an approved continuing education provider for multiple bar associations and financial planning boards, educating attorneys, financial planners, and other divorce professionals on the underlying concerns when divorce and real estate meet head-on.Listen in as we discuss the role of a CDLP®, how their specialized training sets them apart, and why having your client consult with one early in the process can both de-escalate conflict and result in a more satisfying settlement agreement. Here are just a few highlights from our conversation:No all mortgage lenders are the same - why the CDLP® designation mattersWhy bringing in a CDLP® earlier can improve outcomes for everyoneHow a CDLP® supports negotiation and proposal developmentWhy emotions play such a big role in real estate decisionsWhere clients can find a CDLP® in their areaWe know you'll enjoy getting to know Jody as much as we did.Learn more and find a CDLP®: divorcelendingassociation.comLearn more about DCA™ or  any of the classes or events mentioned in this episode at the links below:Website: www.divorcecoachesacademy.comInstagram: www.instagram.com/divorcecoachesacademyLinkedIn: www.linkedin.com/company/divorce-coaches-academyEmail: DCA@divorcecoachesacademy.com

This week on the Divorce and Beyond Podcast, Susan Guthrie welcomes back Certified Divorce Lending Professional Tami Wollensak! Tami shares her absolute MUST-KNOW insights about divorce and mortgages. This episode can help you avoid making some truly expensive mistakes! Tami was previously a guest on the popular episode “It's All About the House: What You Need to Think About Before You Decide to Keep the House.” She is a licensed mortgage loan originator and a 28+ year industry veteran. She has discovered her passion in helping divorcing individuals navigate their home equity solutions and mortgage options while going through the most challenging time of their lives. Topics and Golden Nuggets include: If you want to keep the house, you must consider what is going to happen to the mortgage What you need to know about the receipt of income and timelines when it comes to obtaining a new mortgage for the marital home All income isn't always qualified income  In some cases, mortgages can be assumable by the spouse who is going to keep the house, but things can get tricky **************************************** About this week's special guest: Tami Wollensack Tami Wollensak is a licensed mortgage loan originator and a 28+ year veteran of the industry, she has experience working in multiple roles and facets of the industry. She has discovered her true passion in helping divorcing individuals navigate their home equity solutions and mortgage options while going through the most challenging time. Tami has earned the certification as a Certified Divorce Lending Professional (CDLP®). This specialization provides the ability to identify potential gaps in the agreement that cannot be met during the mortgage process. Tami works with her client's attorney, coach, mediator, or financial advisor to help guide them through all the options available to ensure a successful outcome regarding the divorcing couple's real estate or future purchase. Tami has been a guest on multiple podcasts, speaks regularly and contributes to many media outlets on divorce mortgage planning and helping divorcing homeowners to make better and more informed decisions when it comes to their real property. As a Mortgage Loan Originator, Tami's goal is to educate her clients, take the mystery and anxiety out of the mortgage process, and provide a sense of security and peace to each of them. Tami can lend in all 50 states. (NMLS #1963450) Tami's website Tami on Facebook  Tami on LinkedIn Tami on Instagram Schedule a call with Tami ***************************************** THANK YOU TO OUR SPONSORS:   SOBERLINK Thriving in divorce and beyond means not having to worry about the safety of your children when it comes to co-parenting. With alcohol abuse on the rise, many co-parents are turning to the system committed to providing proof, protection, and peace of mind. Soberlink's alcohol monitoring system is the most convenient, reliable, and reasonable way for a parent to provide evidence that they are not drinking during parenting time. Soberlink's real-time alerts, facial recognition, and tamper detection ensure the integrity of each test, so you can be confident your kids are with a sober parent. With Soberlink, judges rest assured that your child is safe, attorneys get court-admissible evidence of sobriety, and both parents have empowerment and peace of mind.  Pull back the curtain on the mysteries of parenting time and trust The Experts in Remote Alcohol Monitoring Technology™ to keep you informed and your kids safe and secure. To download the addiction and children resource page that I developed with Soberlink, visit www.Soberlink.com/Susan ________________________ AMAZON PRIME VIDEO TRIAL After a long day at work helping people to navigate divorce, I like to unwind with a little binge-watching, and currently, Amazon's Prime Video is my channel of choice.     If you want to try out Prime Video for free, I've got a 30-day trial for you!  Just go to https://divorcebeyond.com/Prime-Video for your free trial.    ********************************************************************* SPONSORSHIP OPPORTUNITIES ARE AVAILABLE!  https://divorcebeyond.com/Sponsorship-Info ******************************************************************* MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, is nationally recognized as one of the top family law and divorce mediation attorneys in the country.  Susan is the Vice Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here:  https://neon.page/susanguthrie Internationally renowned as one of the leading experts in online mediation, Susan created her Learn to Mediate Online® program and has trained more than 25,000 professionals in how to transition their practice online.  Susan recently partnered with legal and mediation legend, Forrest "Woody" Mosten to create the Mosten Guthrie Academy which provides gold-standard, fully online training for mediation and collaborative professionals at all stages of their careers.   Follow Susan Guthrie and THE DIVORCE AND BEYOND PODCAST on social media for updates and inside tips and information: Susan on LinkedIn: https://www.linkedin.com/in/susaneguthrie/ Susan on Instagram @susanguthrieesq ********************************************************************* We'd really appreciate it if you would give us a 5 Star Rating and tell us what you like about the show in a review - your feedback really matters to us!  You can get in touch with Susan at divorceandbeyondpod@gmail.com.  Don't forget to visit the webpage www.divorceandbeyondpod.com and sign up for the free NEWSLETTER to receive a special welcome video from Susan and more!! ********************************************************************* DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM.

In episode 23 of The Gray Divorce Podcast, I talk to Tami Wollensak, a Certified Divorce Lending Professional based in Chicago, Illinois. We discussed the important role of divorce mortgage planning in the divorce process and how a divorce mortgage professional can work with a family law attorney to help their client with future financing or refinancing needs. Thanks for listening! We'd be very grateful if you'd subscribe to the podcast and give us 5 stars! Please visit Transcend Retirement or Wiser Divorce Solutions. Follow Andrew on LinkedIn too!

Getting a mortgage after divorce can feel scary and intimidating. In this episode, Mortgage Lender and CDLP, Jennifer Brown offers tips that will make a huge difference, and that will empower you to stop the fear and live a happy, healthy post-divorce life! Learn more: https://www.divorcedgirlsmiling.com/lets-talk-about-getting-a-mortgage-after-divorce/

When it came to 80s excess, few bands did it better than RATT...sex, drugs & Ratt n Roll led them to multiple gold, platinum and multi-platinum albums!!And now they've released a limited edition box set, available on CD and vinyl, comprised of their first 5 albums, titled "The Atlantic Years"...and we talk to frontman Stephen Pearcy about it this morning!

Getting through a divorce often takes a village. In fact, gathering an experienced team of professionals, can either make or break a smooth transition to post-divorce life. Adding a mortgage banker early in the process (yes, well before the case is settled) can change how you view settlement options.  In this episode, Jacki interviews Erica Powers, CMPS®, CDLP® to discuss the following:  The best time to consult a mortgage banker in divorceWhat are the most common barriers divorcees face with loan approval?Saving time and aggravation by working someone who has advanced training in divorce casesCurrent market forecast for summer 2023 in Michigan Resources: Erica Powers, NMLS #739673 of First Merchants Bank (Member of the FDIC and an Equal Housing Lender) can be reached HEREYou can also reach Erica at epowers@FirstMerchants.com  and follow her on   on Instagram  @localmortgagebankerSchedule a complimentary 30 minute consultation with Jacki Roessler, CDFA to discuss how divorce financial planning can help you by clicking here .https://calendly.com/jacki-divorceplanner/get-to-know-you Read about protecting your credit score during divorce by clicking here  https://pearlplan.com/2022/08/09/five-tips-to-protect-your-credit-score-during-divorce//Links are being provided for information purposes only. We do not suggest that listening to this podcast will make you wealthy. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax or legal position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax or legal matters. You should discuss any tax or legal matters with the appropriate professional.

Did you know there's a such thing as a Certified Divorce Lending Professional (CDLP)? Neither did I?  Tiffany sits down with CDLP, Emile Flowers, to discuss the things you need to know when it comes to divorce and mortgages.  Did you also know you need a divorce team? Who knew?! Take a listen to find out who should be on your team!Follow Emile on LinkedIn @Emile Flowers, CDLP

Divorce mortgage planning is critical. It ensures divorcing homeowners have the knowledge to make informed decisions about their post-decree housing. Jennifer Brown is the award-winning Vice President and Owner Partner of Neighborhood Mortgage, Inc., and a Certified Divorce Lending Professional (CDLP®). She has the knowledge and vision to identify the mortgage financing strategies that will meet your needs and goals. She collaborates with you and your divorce team to implement a strategic divorce settlement agreement, setting you up for success. Her experience and advice will be invaluable to our listeners!

Getting divorced and wondering if you can stay in your home? Mortgage Lender and CDLP, Jan Leasure is my guest in this episode, and offers some great advice. Includes different options you have! Learn more here: https://diamondresidential.com/janleasure

THE HER EMPOWERED DIVORCE PODCAST - DIVORCE EXPERT SERIESSpecial Guest Expert : Pam Abirached, Certified Mortgage Lending Professional CDLPIn this episode of the Her Empowered Divorce Expert Series podcast, Beverly Price interviews Pam Abirached, Certified Divorce Mortgage Lending Professional, CDLP, with Cross Country Mortgage. Pam talks to Beverly about how mortgage lending has more divorce specific details than regular mortgage lending. She also talks about one of the hottest issues in a divorce, “Who keeps the family home, if anyone?”She is a mortgage lender who specializes in helping couples going through divorce. Whether one or both individuals need mortgage assistance, or creative financing options, she is better suited to meet these needs than your traditional mortgage lender.Key Interview Questions:1. How is a CDLP any different than a regular mortgage lender? •2. Why can it be more difficult to get a mortgage through the divorce process? •3. Can Alimony and/or child support be used to qualify for a home loan?4. Is divorce lending all about ownership of the marital home?5. Will you collaborate with the divorce attorney as a CDLP? 6. Can I refinance the home loan into my name if I'm not currently on it?What 3 actionable takeaways can you give women that they can do to enhance their journey from beginning.1. Make sure you know what credit tradelines you have combined with your spouse or ex-spouse. Work on getting EVERYTHING separated.2. Alimony or Child Support need to be proven with 6 months on-time receipt before you can try to qualify for a mortgage using that income.3. If at all possible, talk to a mortgage professional BEFORE signing a separation agreement! I can help you make sure what you're agreeing to - especially regarding the marital home[s] is actually feasible.About Pam:Pam is a Certified Divorce Lending Professional with a decade in the business. She loves helping people achieve their dreams of homeownership and navigating the sometimes treacherous waters that tend to come with divorce and mortgages.She has made an intentional choice to work at a private mortgage firm because it allows her to really get to know her clients and to devote as much attention as needed to each person and their unique homebuying situation.Because of this, many of the people she talks to start off as clients, and most of them end up as friends. You have a choice when it comes to who you decide to work with on your mortgage. What you get with Pam is a personalized touch. She takes the time to get to know you and your needs.CONNECT WITH Pam Abirached, CDLP· WEBSITE: https://crosscountrymortgage.com/Abirached-Team/Pam-Abirached/· FACEBOOK: www.facebook.com/ApprovedByPam· INSTAGRAM: @pampamabirached CONNECT WITH PODCAST HOST AND DIVORCE AND EMPOWERMENT COACH, BEVERLY:Website - www.herempowereddivorce.comEmail -

It comes as no surprise that Christian Larson, the creative half of the founding duo behind the imaginative Swedish undergarment brand CDLP, cut his creative teeth with early careers in visual world building: first editing, then directing.Growing up outside Stockholm, Christian studied drumming from an early age, and his sense of rhythm is perhaps the strongest visible through line in a career that has spanned multiple industries. You can see it in his award winning editing on projects like the Grammy and Emmy-nominated concert film 'ON THE RUN' featuring Beyoncé & Jay-Z, and projects for Lady Gaga, Daft Punk, Abba, Taylor Swift, Britney Spears and Dior. That same sense of rhythm won him the director chair on ad campaigns for Cartier, Jimmy Choo, Pepsi, Mercedes-Benz, and Nowness, as well as music videos for Sigur Rós, Kylie Minogue, Icona Pop, and Swedish House Mafia. When Christian's directorial career was keeping him frequently on the road, his best friend Andreas began traveling with him. One day they found themselves in a hotel room in Rio, chastising each other for their mutually terrible choices in underwear, and an idea was born. The quest began to develop a superior product to what was on the market, a product crafted from better materials and made in Europe, where they could have control over their manufacturing process. Once an unconsidered, boring, 'non-decision' purchase relegated to the sock drawer, CDLP won early support from men of all ages, who finally felt sexy in their improved undergarments.Over the last six years the brand has grown to include swim and loungewear, and a women's line launched a few months ago. True to his rhythm, Christian's video campaigns are masterfully shot and tightly edited… Not to mention the CDLP mixtape series, which is fantastic.We caught up with Christian to chat about curiosity as a driving imperative, why hotels make the most cinematic backdrops, and how an unexpected moment, like seeing 35 millimeter film for the first time, can alter your perspective and cement your commitment to a creative destiny.Slide on your best underwear, and enjoy this conversation with the brilliant Christian Larson.Presented by NUVO Magazine. Hosted on Acast. See acast.com/privacy for more information.

In 2016, CEO Andreas Palm and creative director Christian Larson joined forces to launch Stockholm-based CDLP to make men's underwear matter. “We had never cared about underwear ourselves, because there wasn't much to care about,” Palm said on the latest episode of the Glossy Podcast. “So we designed for ourselves, in the beginning; we made a product we wanted to wear.” Doing so quickly caught the attention of fashion authorities including GQ and Esquire in the UK, which wrote about the “new masculinity” and sustainability the brand was bringing to the category, Palm said. In addition, retailers including Mr. Porter and Barneys showed early interest by placing orders. In the seven years since, CDLP has expanded to product categories including sleepwear and swimwear. It's also grown substantial businesses in international markets; the U.S. drives a majority of its sales, and it's recently launched in the Middle East.  This year, as the brand approaches profitability, the founders have their sights set on growing the women's category, which launched in September.

CERTIFIED DIVORCE AND EMPOWERMENT COACH - YOUR FIRST CALL AND THE QUARTERBACK OF YOUR DIVORCE TEAMNote: Her Self Expression has changed their name to Her Empowered DivorceThis week on the Her Empowered Divorce podcast, Beverly Price is interviewed by Pam Abirached, Certified Divorce Lending Professional, CDLP, about Beverly's role as a Certified Divorce and Empowerment Coach.Beverly is speaking about the logistical, educational and emotional divorce journey. Whether a woman is contemplating divorce, in the middle of the process or wants a better life after, a Divorce Coach is essential, educating, guiding and supporting you. A coach can save you time, money and frustration. The conversation touches on the impact of combining divorce and empowerment coaching on women at all the stages of divorce – how it can help a woman with self-esteem, be educated to the divorce process, learn skills necessary for the woman to fully participate in her side of the divorce, find her voice and her own power to stand up for herself and move on to a happy and thriving life afterward.Topics and Actionable Takeaways include:a. Hire a divorce coach first, before you event hire an attorney and use their referrals for the best divorce team for you. Invest in an expert team – a coach can help you determine what kind of professionals your situation might need and provide referrals to those you can interview. Many women won't invest in themselves. You will learn about all the roles in later episodes.b. Don't let your emotions hijack you - while your emotions are intense and overwhelming, the key to the best long-term results of divorce is remaining neutral, and treating the process like a business transaction. A coach can help you process and learn how to do this. Emotions can lead to more hostile and longer term divorces causing more anguish and a higher overall divorce cost!c. Pause and take a breath, don't rush, have a plan – rushing into decisions, interactions with a spouse, and reacting hastily can give you a moment of good feelings, but can cause years of heartache and hardship in the future. Practice self-care.Beverly wishes all women to come through divorce with more support, more knowledge, more empowerment and less pain that she did. ****************************************About this week's special guest: Beverly PriceBeverly Price, MBA, certified Divorce and Empowerment coach , and podcast host, combines divorce and empowerment coaching to provide education, support, and insight to guide women along the entire divorce process, and to conquer its emotional, technical, financial and logistical challenges. She serves women in three groups 1) those contemplating divorce and wanting clarity in their decision process, 2) those in the complex and confusing legal and financial process, and 3) those who are divorced and unhappy, but want a happier, more fulfilling life.Her coaching stresses self-awareness, conflict resolution, communication skills, organization, and clarity. She provides one-on-one custom designed coaching to help women through the ups and downs and grow from self-doubt to self-love quicker, with less pain, more knowledge and more support than she had. She shares educational tools, skill building techniques, mindset and emotional growth work to help women navigate the achieve an empowered state, where they find and use their voice, reduce their hostility and low elf-esteem, develop enhanced communication skills and move on to a fulfilling next best chapter in their lives.She has a personal history with divorce, co-parenting, domestic violence and more. Combining this personal experience with her training, professional certifications and...

One of the most commonly asked questions in divorce is "who gets to keep the house?" This week Michelle Dempsey-Multack is joined by Tami Wollensak CDLP to educate our listeners on what to do from a real estate standpoint when going through divorce. As a Certified Divorce Lending Professional, Tami helps clients take the emotion out of making the decision on whether or not to keep the home in a divorce. Michelle and Tami thoroughly discuss: If you can really afford the home on one income Understanding the process of keeping a home in a divorce How mortgage rates and any potential equity buy out may affect your current payment Letting go of attachment and memories you have in your marital home AND MUCH MORE Tami Wollensak is a Certified Divorce Lending Professional (CDLP®) and Senior Mortgage Loan Originator for Oak Leaf Community Mortgage, a Division of Mutual Federal Bank. Tami has worked in the mortgage industry for more than 25 years and is licensed to lend in 46 states. Specializing in Divorce Mortgage Planning, Tami takes a holistic approach to the process of evaluating mortgage options in the context of the overall financial objectives as they relate to divorcing situations prior to settlement for the best outcome. To learn more, visit www.TakeOrLeaveTheHouse.com. Tami Wollensak, CDLP® Sr. Mortgage Loan Originator Certified Divorce Lending Professional NMLS #1963450 Learn more about your ad choices. Visit megaphone.fm/adchoices

If you think you can't afford your house, you might be wrong. There are Divorce Lending Professionals whose job is to show you alternative ways of financing and qualifying for a mortgage or loan, even if you're worried you can't qualify. In this episode, Emile Flowers explains when to speak to a CDLP (hint: immediately), exactly how the process works and why the service is absolutely free! If you are working through your options for housing and where you will live post-separation/divorce, you must listen to this episode. (Guest: Emile Flowers, Certified Divorce Lending Professional) Email hello@exexperts.com if you would like to set up a private session with Jessica and T.H. to help with your process! Follow us on Instagram and TikTok @exexperts. SPONSORED BY: Dear Divorce Coach www.deardivorcecoach.com. Check out her course "Co-Parenting: What It Is And How We Do It!" and use code EXEXPERTS for a discount! --- Send in a voice message: https://anchor.fm/divorceetc/message

People's homes are generally their most significant financial assets, but what happens to the marital home post-divorce? Today, we are joined by CDFA, CDLP, licensed mortgage and real estate broker, and author of Divorce House Sense Jeff Landers to discuss the three options and their associated nuances. Jeff breaks down the complications of co-owning a house post-divorce and walks us through all that needs to be considered by those who wish to keep their home. We learn the requirements to qualify for a mortgage loan, the criteria for equity buyout, and the types of income that qualify for refinancing a mortgage. Jeff demystifies the concepts of debt-to-income ratio, pre-approval, revocable trusts, reverse mortgages, and more. In this episode, you'll discover creative solutions for creating an income stream to qualify for a mortgage loan, and staying in the home post-divorce, if you so choose!Key Points From This Episode:Jeff Landers' extensive background as a divorce financial advisor.Three post-divorce options regarding the marital home.The complications of co-owning a house post-divorce.Jeff's typical advice for clients who wish to keep their home post-divorce.Requirements to qualify for a mortgage loan.The criteria for equity buyout.Qualified income for refinancing a mortgage.The debt-to-income ratio explained.What pre-approval is, why it's important, and how it differs from a pre-qualification letter.How bonus income for W2 employees is viewed by mortgage lenders.Separate versus marital property.Creative solutions for creating an income stream to qualify for a mortgage loan.What a revocable trust is and how to set it up.Reverse mortgages for senior divorces.The services Jeff's company, Next Act Properties, offers. Creative options to stay in the home post-divorce.What is Divorce at Altitude? Ryan Kalamaya and Amy Goscha provide tips and recommendations on issues related to divorce, separation, and co-parenting in Colorado. Ryan and Amy are the founding partners of an innovative and ambitious law firm, Kalamaya | Goscha, that pushes the boundaries to discover new frontiers in family law, personal injuries, and criminal defense in Colorado. To subscribe to Divorce at Altitude, click here and select your favorite podcast player. To subscribe to Kalamaya | Goscha's YouTube channel where many of the episodes will be posted as videos, click here. If you have additional questions or would like to speak to one of our attorneys, give us a call at 970-429-5784 or email us at info@kalamaya.law. ************************************************************************ DISCLAIMER: THE COMMENTARY AND OPINIONS ON THIS PODCAST IS FOR ENTERTAINMENT AND INFORMATIONAL PURPOSES AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE. CONTACT AN ATTORNEY IN YOUR STATE OR AREA TO OBTAIN LEGAL ADVICE ON ANY OF THESE ISSUES.

We sit down with Certified Divorce Lending Professional, Manya Williams, to discuss how a lending professional can identify strategic solutions for creating desired outcomes using legal and tax codes, while working directly with the professional divorce team. In this episode, Manya covers the following:• How a CDLP can identify conflicting objectives between the proposed divorce settlement agreement and mortgage guidelines and requirements.  • The dangers with relying on income awarded through the divorce settlement to qualify for a new mortgage. • Just as the IRS has specific tax rules for divorcing clients, there are specific mortgage lending guidelines specific to divorce situations as well • The mortgage interest deduction is one of the biggest benefits for carrying a mortgage  • Potential tax liabilities for spouses who retains the marital home when the departing spouse is required to make the mortgage payment. • Understanding the difference between ‘Income” and “Qualifying Income” for mortgage financing purposes. •    …and much more!If you would like to speak with one of our family law attorneys, please call our office at (503) 227-0200, or visit our website at https://www.pacificcascadelegal.com.If you're interested in getting in touch with Manya, you can do so by emailing her at manya@manyawilliams.com or calling her at 541-429-3229.Disclaimer: Nothing in this communication is intended to provide legal advice nor does it constitute a client-attorney relationship, therefore you should not interpret the contents as such.

Thinking about keeping the house in your divorce? This week, Tami Wollensak joins me to talk about the things you need to consider when deciding whether or not you should keep your marital home. We explore the importance of understanding your finances and what to keep (and manage) the home. We also discuss some of the hidden costs associated with keeping the home such as homeowners insurance, getting a home inspection, and more. Tami offers insightful advice that will help you come to a more informed and peaceful decision about your home. Tami is a Certified Divorce Lending Professional (CDLP™) and Senior Mortgage Loan Originator. She takes a holistic approach to the process of evaluating mortgage options in the context of the overall financial objectives as they relate to divorcing situations prior to settlement for the best outcome for the divorcing homeowners.   Featured topics include: Even if you want to keep your house, you may not qualify for a mortgage loan (7:42) How a CDLP can help you negotiate to keep your marital home (16:18) Keeping the home might not be your best option (17:15) Understanding and evaluating the numbers can help you to move forward with  a peaceful decision (22:19) You have to be the CFO of your divorce (24:13) Why your credit and obtaining your credit report is critical (33:24) Some of the things you may not have considered about keeping the home like ongoing maintenance, getting a home inspection, and homeowners' insurance (37:00) Learn more about Tami Wollensak: Tami Wollensak is a licensed mortgage loan originator and a 25+ year veteran of the industry, she has experience working in multiple roles and facets of the industry. She has discovered her true passion in helping divorcing individuals navigate their home equity solutions while going through the most challenging time of their life.  Tami has earned the certification as a Certified Divorce Lending Professional (CDLP™). This specialization provides her the ability to identify potential gaps in the agreement that cannot be met during the mortgage process. Tami works with her client's attorney, mediator, or financial advisor to help guide them through all the options available to ensure a successful outcome regarding the divorcing couple's real estate.  As a Mortgage Loan Originator, Tami's (NMLS #1963450) goal is to educate her clients, take the mystery and anxiety out of the mortgage process, and provide a sense of security and peace to each of them. Oak Leaf Community Mortgage is a division of Mutual Federal Bank, Equal Housing Lender, and FDIC insured.  Resources & Links: Links and information may also be found at: https://kateanthony.com/podcast/take-or-leave-the-house-with-tami-wollensak/ Register to join Kate on the 2nd Tuesday of Every Month for a Live Q&A Session!Tami's website Tami on Facebook Tami on LinkedIn Tami on Instagram Book a Meeting with Tami   ============================ DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL OR PSYCHOLOGICAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY, COACH, OR THERAPIST IN YOUR STATE TO OBTAIN ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM TODAY'S EPISODE IS SPONSORED BY: WORTHY The Divorce Survival Guide podcast is sponsored by Worthy. Worthy helps you get the most money possible for your diamond jewelry or luxury watch, fast and risk-free. Their experts do all the work for you, and their competitive auctions get you up to 3X what a local jeweler might offer in as little as 2 weeks.  With Worthy, you're in control from start to finish. If your item doesn't sell for the price you want, Worthy sends it back to you at no cost, fully insured. And now for a limited time, you'll get an extra $100 when your jewelry sells for over $1,500. All you have to do is register at https://worthy.com/dsg-podcast. (See website for terms.) JOIN THE SHOULD I STAY OR SHOULD I GO FACEBOOK GROUP

On THE Amicable Divorce Expert podcast, I interview Tami Wollensak, CDLP® NMLS #1963450. This is what you will learn:   Be realistic about keeping and/or refinancing the house   The relationship between mortgage lending for a refinance of the house in a divorce, and the legal side of the divorce   How should a settlement agreement be written so that a divorced spouse can refinance the house once the divorce is final   What it means financially to refinance and keep the house   What happens if the lower earning spouse who is still living in the house can't meet the mortgage payment   The tragedy of leaving Title while still on the mortgage   What a Due-On-Sale action is based on a Change in Title   Mortgage lender bases their decision to lend on   There is a difference between family court versus the mortgage industry rules for responsibility   How to change Title of the house if both spouses decide to keep the house jointly   Qualifications for one spouse to refinance the house in a divorce   How does self-employment effect refinancing the house   Timing requirements of child and spousal support to refinance the house   Know all your options when negotiating the house in a divorce settlement   Make the house a financial decision, not an emotional one   #mortgage #refinancing #childsupport #alimony #spousalsupport #divorce #Title #jointTitle #tenantsincommon #mortgagelender #home #house #divorcesettlement #DueOnSale #ChangeinTitle #emotion #self-employment #financialinsecurity #children #coparenting #parents #coparents  #certifieddivorcelendingprofessional #freeconsultation #equalcreditopportunityact #mortgage #amicabledivorce   Biography Tami Wollensak is a Certified Divorce Lending Professional (CDLP™) and Senior Mortgage Loan Originator for Oak Leaf Community Mortgage, a Division of Mutual Federal Bank. Tami has worked in the mortgage industry for more than 25 years and is licensed to lend in 46 states. Specializing in Divorce Mortgage Planning, Tami takes a holistic approach to the process of evaluating mortgage options in the context of the overall financial objectives as they relate to divorcing situations prior to settlement for the best outcome. To learn more, visit www.TakeOrLeaveTheHouse.com.    Tami Wollensak, CDLP® Sr. Mortgage Loan Originator Certified Divorce Lending Professional NMLS #1963450 (708) 359-2070 TamiW@MyOakLeaf.com Website Request a meeting   Tami Wollensak, CDLP®, Sr. Mortgage Loan Originator, Certified Divorce Lending Professional Oak Leaf Community Mortgage. NMLS ID: 1963450. Equal Housing Lender. Federal Deposit Insurance Corporation.

In this week's episode, Susan Guthrie, Esq., welcomes best-selling author Natasha Sizlo to the show! Together, they discuss Natasha's journey to Paris searching for her soulmate and how that helped her to find true love, friendship, and more.  Natasha Sizlo is the author of All Signs Point to Paris: A Memoir of Love, Loss, and Destiny. She is a former journalist and a well-known realtor at the firm The Agency. Yes, the real estate firm from The Real Housewives of Beverly Hills and Million Dollar Listing Los Angeles, where Natasha has appeared on many episodes.  You will also be seeing her on the brand new Netflix show, Buying Beverly Hills which premiered on November 4th!  In addition to talking about Natasha's book, this conversation explores the topics of friendship, family, manifestation, going for it, and finding your soulmate. Natasha's journey will make you laugh, cry, and inspire you. Topics and Golden Nuggets include  A reminder to be open to new experiences or possibilities. Awakening to the love of friendship and the support of friends and other women. The power of thinking about what you want your life to look like. “It's so easy to forget about all the love that we have in our lives. Not all of it is obvious and not all of it is loud. It's quiet, it's in the corners, and it's in the tiny spaces.”  Natasha talks about reclaiming the magic of childhood and believing that anything is possible.  About this week's special guest: Natasha Sizlo Natasha Sizlo is a writer based in Los Angeles. She grew up in California and has a B.A. from the University of California, Santa Barbara. Natasha started her career writing for magazines including Variety, Cosmopolitan, Shape Magazine, Santa Barbara Magazine, and Ray Gun among others. In 1998, she moved to Detour Magazine where she worked as Senior Editor managing an editorial team and working as a staff writer covering celebrity, fashion, and tech. After Detour, she continued writing for fashion brands and blogs, composing press releases and online copy, and eventually transitioning to real estate where she currently works at The Agency (Yes, the real estate firm from The Real Housewives of Beverly Hills and Million Dollar Listing Los Angeles, where Natasha has appeared on many episodes). Her astrologer told her that her Point of Destiny is to tell a story, so now she's doing that. Get Natasha's Book:  All Signs Point To Paris: A Memoir of Love, Loss, and Destiny Natasha's website: https://natashasizlo.com/ Natasha on Facebook: https://www.facebook.com/02Novembre1968 Natasha on Instagram: https://www.instagram.com/natashasizlo/ Natasha Sizlo, Estates Agent: https://www.theagencyre.com/agent/natasha-sizlo Also mentioned in this episode: Moms Moving On Method - Apply Today for Michelle Dempsey-Multack's Training for Divorce Coaches Program If you want to see the video version of the podcast episodes they are available on The Divorce & Beyond YouTube Channel!  Make sure to LIKE and SUBSCRIBE so you don't miss a single episode! ****************************************************************** THANK YOU TO OUR SPONSOR: Tami Wollensak, Certified Divorce Lending Professional Keeping the house in a divorce or deciding to let it go is a big decision that should not be rushed. Tami Wollensak is a certified divorce lending professional who specializes in presenting marital home options for those who are contemplating or going through a divorce. Your home is your largest asset and planning properly can help you avoid issues. In fact, Tami helps you separate business decisions from emotional decisions and helps you determine if keeping the house is possible or even in your best interest. If you or someone you know could benefit from a complimentary divorce mortgage planning consult, visit TakeorLeavethehouse.com.  Mention you heard about Tami on The Divorce & Beyond Podcast.  Tami Wollensak, CDLP™, Sr. Mortgage Loan Originator, NMLS ID: 1963450 Oak Leaf Community Mortgage, Equal Housing Lender. Federal Deposit Insurance Corporation   **************************************************************** SPONSORSHIP OPPORTUNITIES ARE AVAILABLE!  https://divorcebeyond.com/Sponsorship-Info **************************************************************** MEET OUR CREATOR AND HOST: SUSAN GUTHRIE®, ESQ., the creator and host of The Divorce and Beyond® Podcast, is nationally recognized as one of the top family law and divorce mediation attorneys in the country.  Susan is the Vice Chair of the American Bar Association Section of Dispute Resolution and is a sought-after keynote speaker, business and practice consultant, coach and trainer. You can find out more about Susan and her services here:  https://neon.page/susanguthrie Internationally renowned as one of the leading experts in online mediation, Susan created her Learn to Mediate Online® program and has trained more than 25,000 professionals in how to transition their practice online.  Susan recently partnered with legal and mediation legend, Forrest "Woody" Mosten to create the Mosten Guthrie Academy which provides gold standard, fully online training for mediation and collaborative professionals at all stages of their career.   Follow Susan Guthrie and THE DIVORCE AND BEYOND PODCAST on social media for updates and inside tips and information: Susan on LinkedIn: https://www.linkedin.com/in/susaneguthrie/ Susan on Instagram @susanguthrieesq ********************************************************************* We'd really appreciate it if you would give us a 5 Star Rating and tell us what you like about the show in a review - your feedback really matters to us!  You can get in touch with Susan at divorceandbeyondpod@gmail.com.  Don't forget to visit the webpage www.divorceandbeyondpod.com and sign up for the free NEWSLETTER to receive a special welcome video from Susan and more!! ********************************************************************* DISCLAIMER:  THE COMMENTARY AND OPINIONS AVAILABLE ON THIS PODCAST ARE FOR INFORMATIONAL AND ENTERTAINMENT PURPOSES ONLY AND NOT FOR THE PURPOSE OF PROVIDING LEGAL ADVICE.  YOU SHOULD CONTACT AN ATTORNEY IN YOUR STATE TO OBTAIN LEGAL ADVICE WITH RESPECT TO ANY PARTICULAR ISSUE OR PROBLEM

Email: audioofftheshelf@gmail.com. Instagram: @audioofftheshelf Twitter: @AOTS204 Facebook: https://www.facebook.com/audioofftheshelf Davis, Miles. “Black Satin.” On The Corner. Columbia Records, 1972. Vinyl. LP. Radiohead. “The National Anthem.” Kid A. Parolophone / Capitol, 2000. CD. LP. Clash, The. “The Sound of Sinners.” Sandinista! Epic Records, 1980. 3LP. Public Enemy. “Caught, Can I Get A Witness?” It Takes A Nation Of Millions To Hold Us Back, Def Jam Records 1987. CD LP. Stravinsky, Igor. The Rite of Spring. “Part 1 - Adoration of the Earth.” Perf. The Cleveland Orchestra. Cond. Pierre Boulez. Deutsche Grammophon, 1992. CD. LP. Copyright Disclaimer under Section 107 of the copyright act 1976, allowance is made for fair use for purposes such as criticism, comment, news reporting, scholarship, and research. Fair use is a use permitted by copyright statute that might otherwise be infringing. Non-profit, educational or personal use tips the balance in favour of fair use.

Today, Rick, Kathy and Tony are chatting with John Marroni from Draper & Kramer Mortgage Corp.  Together they are talking all things mortgage…   Are rates on the rise? What Is a Negative AM? Has Lending Become Legal Loan Sharking? Should someone Buy a house that they need mortgage Insurance for? Should you always have mortgage insurance? What is a CDLP and what do they do?     Visit Draper & Kramer Mortgage Corp today: Web: https://dkmortgage.com/jmarroni/   Join us as we broadcast Live every Tuesday at 12:30pm at The Studio 21 Podcast Café above 2 Guys Smoke Shop in Salem NH   If you need a Real Estate Team that can walk you through the purchase of your new home start with Carter Law offices (781) 944-9222     #CarterLawOffices #RickCarter #KathyHoltshouser #RealEstateHouseParty #RealEstate #TonyV #BostonComedy #Studio21PodcastCafe #UnitedPodcastNetwork  

How do you remove your ex-spouse's name from the mortgage after the divorce? How do you know if you'll qualify on your own for a mortgage after divorce? What happens if your ex-spouse doesn't make the mortgage payments? These are questions that should be considered before you sign your Judgment of Divorce. In this episode, Carri Goldring, CDLP shares her top mortgage tips for divorcing men and women in Michigan.Guest: Carri Goldring- Mortgage Specialist, CDLP (Certified Divorce Lending Professional)Resources:https://www.uhm.com/cgoldring/https://www.linkedin.com/in/carri-goldring-cdlp/https://www.facebook.com/MortgageCarri/Links are being provided for information purposes only. We do not suggest that listening to this podcast will make you wealthy. The information herein is general and educational in nature and should not be considered legal or tax advice. Tax laws and regulations are complex and subject to change, which can materially impact investment results. Pearl Planning cannot guarantee that the information herein is accurate, complete, or timely. Pearl Planning makes no warranties with regard to such information or results obtained by its use and disclaims any liability arising out of your use of, or any tax position taken in reliance on, such information. Consult an attorney or tax professional regarding your specific situation. Please note, changes in tax laws or regulations may occur at any time and could substantially impact your situation. Pearl Planning financial advisors do not render advice on tax matters. You should discuss any tax matters with the appropriate professional.

Greetings Dead Freaks!Back at last with an interview with Scott Ferber, drummer of The Jauntee, about his new solo album, "Mine Yours & Ours" which comes out June 17. We also talk Jauntee album news and festival dates like their upcoming appearance at Peach Fest. I also (finally) recap my experience at the Three Lobed Recordings 21st Anniversary celebration. The recap includes some audio clips and we also get to hear some of the new material from Scott Ferber, some live Jauntee, and some good old Grateful Dead."Mine Yours & Ours" is out June 17 and will be available wherever you get your digital music. Physical copies on Cd & LP as well as other merch and info can all be found at ScottFerberMusic.com. You can keep up with The Jauntee at TheJauntee.com.More info on the many wonderful Three Lobed Recordings artists can be found at threelobed.com or on the label's bandcamp page. The outstanding new Mary Lattimore/Paul Sukeena album, "West Kensington" is out on May 20 and will be available in fine stores as well as on Bandcamp.Thanks as well to Jonnas Blank for taping at the Three Lobed Fest and sharing the Gunn-Truscinski Duo and Wet Tuna sets via the always wonderful NYCTaper.com. Do consider heading over there to grab those full sets and so much more.My own new album, "Slips, Trips, & Falls" comes out on June 3. There's a single & video that you can hear and see now entitled, "Wednesdays". CDs and digital downloads are on Bandcamp, of course. Please check out JMHart.Bandcamp.com.  Allow me to remind you that the Brokedown Podcast is part of the Osiris Media. Osiris is creating a community that connects people like you with podcasts and live experiences about artists and topics you love. Check out OsirisPod.com to stay in the loop.Also, if you would like a BrokedownPod t-shirt or sticker or other merch in that vein, please head over to my Redbubble virtual merch table. All proceeds go straight toward hosting costs and are much appreciated.Don't forget to follow the @BrokedownPod twitter account for regular news, live tweetstorms of shows as I listen, and other minutiae. We also have an Instagram account with the same handle. If you like pictures of things, you can find that here: BrokedownPod Instagram. Also, if you use Apple Podcasts, please consider posting a review as it really help get the word out.Also, please keep sending your metaphorical cards and letters. Leave a comment on the blog or hit me up on any of the above social media. Let me know what I'm doing right, wrong, or horribly wrong.

I speak with Douglas Katz is a 20 + veteran of the lending industry with a focus on helping divorcing couples manage the property disposition during a split. We learn about how to divorce and buy your next home. Doug talks about how properly understanding this process can help the divorce to go smoother and make it easy on the family.He also helps military veterans and service members in buying or refinancing their homes. He is a US Army disabled veteran, a graduate of the United States Military Academy at West Point and Loyola University Chicago.Contact Information for Doug KatzDouglas Katz – MBA, CDLP, CCRSLoan Officer NMLS 217026, 1846554 O: 630.257.7777  x1004C: 708.829.1336 F:  815.261.1632 doug@ontimemtg.com https://ontimemtg.com 

It's no secret that we all admire the art of storytelling. Christian Larson, on the other hand, lives it. An award-winning Swedish film and music video director, editor, photographer, and co-founder & creative director of menswear brand CDLP, he has a knack for bringing narratives to life. From directing ad campaigns for global brands like Cartier and Jimmy Choo to putting his signature rhythmical spin on Beyoncé & Jay-Z's concert film ON THE RUN, Christian has a unique lens when it comes to telling a story. In this episode, he and Farryn tackle the age-old question: what comes first, product or narrative? Hosted on Acast. See acast.com/privacy for more information.