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The Affect of Rising Interest Rates and Divorce

Cash flow is a priority concern for newly divorced homeowners as previous income sources are now reduced and will support two households instead of only one. When the monthly payment after refinancing the current mortgage increases, looking for other ways of improving cash flow becomes an even bigger priority. When incorporating divorce mortgage planning into the divorce process, a Certified Divorce Lending Professional (CDLP™) will work directly with the divorce team and divorcing homeowners to strategically identify opportunities to improve cash flow to make retaining the marital home more affordable. In addition, a CDLP™ can help identify additional income sources and the strategic assignment of debt obligations helping both spouses to be in a better position for mortgage financing.

Determining the Real Value in a Divorce

There are many examples of how negotiations and settlement may conflict with mortgage rules and regulations and the benefit of integrating divorce mortgage planning into the divorce process. As a CDLP, I can help ensure the conclusion ends in the successful execution of the court orders bringing peace of mind and closure to both spouses.

Divorcing Your Mortgage – Homeowner Workbook

A guide to credit real estate and mortgage financing. This workbook will help you get organized, be prepared and help you understand your mortgage financing position whether you are needing to refinance the marital home in a Home Equity Buyout situation or prepare to sell and purchase a new home.

Drop Rate, Not Price and Here is Why

If you're a buyer in today's market, I'm sure you are somewhat discouraged by these higher rates, but this could be the break you need to gain access to the housing market. What I mean is that most buyers have pivoted back to the lender to get " pre-approved" again and are given two choices. The first option they would be given is "If" they plan to stay at their old pre-approval, then additional funds will be needed to accomplish that. If those funds are not available or if it requires liquidation of retirement accounts, Then the second option would be to reduce their pre-approval amount so they can requalify at a smaller amount based on their income and debt. Both of these options are not very good in this competitive market. But, you have another chance to help regain that lost buying power, and it's with a Seller Buy Down and I can help! Here are some of the options I help my buyers regain their buying power with massive additional funds needed to stay in the housing market.

How To Maintain Your Buying Power In A High Rate Environment

Hello, If you're a buyer in today's market, I'm sure you are somewhat discouraged by these higher rates, but this could be the break you need to gain access to the housing market. What I mean is that most buyers have pivoted back to the lender to get " pre-approved" again and are given two choices. The first option they would be given is "If" they plan to stay at their old pre-approval, then additional funds will be needed to accomplish that. If those funds are not available or if it requires liquidation of retirement accounts, Then the second option would be to reduce their pre-approval amount so they can requalify at a smaller amount based on their income and debt. Both of these options are not very good in this competitive market. But, you have another chance to help regain that lost buying power, and it's with a Seller Buy Down and I can help! Here are some of the options I help my buyers regain their buying power with massive additional funds needed to stay in the housing market.

Reviews

"I am truly so grateful for Manya and the NEO Team for all they helped me with during my first home buying experience. I can't decide if I'm more impressed by how much Manya taught me along they or by how streamlined and easy she made the whole process for me. When I was closing on my house, the title officer let me know that I was getting an incredible rate from Manya and NEO. This was especially great to hear since the title officer sees so many loans from so many lenders. I will continue to work with NEO for further financial endeavors because I know I am in skilled hands that have my unique and best interests in mind! Thank you Manya and NEO for the life changing experience!"

carol elena w

"I am so impressed by Manya's ability to make this process incredibly straightforward and even fun! I had no idea it could be this way. I am truly grateful for her guidance throughout this experience!"

elena w

"The knowledge, skillfullness, and communication was just beyond. Thank you!!!"

margarita g