What is a CDLP certification?

A Certified Divorce Lending Professional (CDLP) is a mortgage professional who has undergone specialized training to help clients navigate the unique financial and emotional challenges that come with divorce—especially when it comes to the marital home and mortgage financing.

Unlike a traditional loan officer, a CDLP understands how divorce-related issues such as spousal support, child support, property division, and credit concerns can impact a mortgage application or homeownership decisions.

Why It Matters During Divorce

When a couple divorces, they often face critical decisions:

• Who keeps the home?

• Can one party refinance and qualify on their own?

• Should the home be sold, and what are the tax or equity implications?

• How do support payments impact mortgage qualification?

A CDLP works with divorcing clients, their attorneys, financial advisors, and mediators to ensure mortgage solutions align with the divorce settlement and the client's long-term financial well-being.

How It Benefits You

Working with a CDLP means:

• Smarter mortgage strategies based on your specific divorce scenario

• Avoiding costly mistakes that can arise from poorly structured divorce agreements

• Understanding how income, debt, and property division affect loan qualification

• Collaborative communication with your legal and financial team to ensure everything aligns

Who Should Work With a CDLP?

If you're:

• Going through a divorce and own a home

• Unsure how to handle mortgage or real estate decisions

• Looking for guidance on qualifying for a mortgage post-divorce

• A professional (attorney, financial advisor, mediator) supporting clients in a divorce

Let’s Talk

Every divorce situation is unique. Whether you’re just beginning the process or finalizing details, The Human Touch Mortgage Group is here to help guide you through the home financing side—so you can make informed, empowered decisions.