Certified Divorce Lending Professional (CDLP)
Divorce Mortgage Help in Miami, FL
Certified Divorce Lending Professional (CDLP) guidance for Miami. Refinance to remove a spouse, fund an equity buyout, explore a loan assumption, or qualify for a new home after divorce — structured to align with your settlement.
- 23+ Years Experience
- 1,000+ Loans Funded
- 4.9★ from 200+ Reviews
- NMLS #344326
Divorce Lending in Miami, FL
Miami's high-value, internationally driven market means divorcing couples here may be dividing substantial equity, sometimes on properties with significant carrying costs. Keeping the home can involve a refinance to remove a spouse, a cash-out refinance to fund an equity buyout, or a jumbo loan when balances exceed conventional limits — each requiring the remaining borrower to qualify alone.
Florida is an equitable-distribution state, meaning marital property is divided equitably — fairly rather than automatically fifty-fifty — so a current appraisal and clear settlement terms are essential before sizing the loan.
Refinance to Remove a Spouse
Refinance the loan into one name so the departing spouse is removed from the mortgage liability and title.
Equity Buyout Analysis
A cash-out refinance can fund the buyout of a spouse's share of the home's equity in a single transaction.
Loan Assumption Option
If your loan is FHA, VA, or USDA, one spouse may assume it and keep the existing low rate — often cheaper than refinancing.
Settlement-Aligned & Confidential
A CDLP coordinates with your attorney so the mortgage terms in your decree are actually executable.
Frequently Asked Questions
I need a large loan to keep our Miami home — is that possible after divorce?
It can be, often through a jumbo refinance, though qualifying requirements are typically stricter and insurance costs matter in South Florida. American Financial Network serves Florida, and a licensed loan officer who is a Certified Divorce Lending Professional can review whether a jumbo or conventional refinance fits your buyout and income.
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