Divorce and Mortgage Strategies

EP: 02.26 - Tracing the Truth in Divorce: Forensic Accounting, Real Estate, and Financial Clarity

In this episode of the Divorce Lending Association Podcast, Cindy Scobee, Certified Divorce Lending Professional (CDLP®) and contributing host, sits down with Eli Neal, Founder and Principal of Four Corners Financial Forensics, to discuss the critical role forensic accounting plays in divorce—particularly when real estate and complex financial assets are involved. Eli shares his path into forensic accounting and explains how his firm works alongside family law attorneys, divorce lending professionals, real estate appraisers, and financial advisors to uncover the financial truth and support informed decision-making throughout the divorce process. This conversation highlights how early collaboration and expert financial analysis can prevent last-minute settlement issues and help divorcing individuals move forward with clarity and confidence. Whether you are a divorce professional, attorney, mortgage specialist, or someone navigating divorce yourself, this episode provides valuable insight into how financial clarity is created—and why it matters. 🔗 Learn more about Eli Neal and Four Corners Financial Forensics: https://www.4cornersff.com/ 🔗 Connect with Cindy Scobee, CDLP®: https://www.divorcelendingassociation.com/offices/cindy-scobee.cfm 🔔 Subscribe for more expert conversations on divorce mortgage planning, real estate, and financial strategy 📘 Learn more about Divorce Lending Association resources at: https://www.divorcelendingassociation.com Visit www.divorceworkshop.com [http://www.divorcemortgagecourse.com] for more information and to take back control. At the Divorce Lending Association, our mission is to help divorcing homeowners make more informed decisions regarding their home equity solutions and the divorce team identify any potential conflicts between the divorce settlement, the mortgage, and real property. Divorce Mortgage Planning is the ability to put into play the desired outcome by pairing the needs and options available while incorporating the necessary details and clarity into an executable settlement agreement to obtain closure and peace of mind successfully. Are you going through a divorce and need information on refinancing your mortgage or buying anew home once the divorce is final? Often conflict arises out of a lack of knowledge. We have an amazing workshop available allowing you to take control of your situation and divorce mortgage planning so you are in a stronger position to negotiate while removing conflict and unrealistic expectations. Visit the Divorce Lending Association [https://www.divorcelendingassociation.com/] for resources and strategies on divorce mortgage planning.

EP: 23.25 - The Missing Layer in Divorce Planning: Life Insurance, Long-Term Care, and Collaboration

Divorce is more than a legal process—it’s a financial turning point that can impact your security for decades. In this episode of the Divorce Mortgage Strategies Podcast, host Amy Valdivia sits down with Carly Ebenstein of CJB Insurance Services to explore how life insurance and long-term care planning play a critical role in divorce settlements and long-term financial protection. Carly shares her personal divorce experience and explains why insurance is not just about protection after divorce—but a strategic tool during negotiations. Together, they discuss how life insurance can safeguard support obligations, why long-term care planning is often overlooked in divorce, and how collaboration between divorce professionals creates stronger, more sustainable outcomes. This conversation is essential for divorcing homeowners, family law professionals, mediators, financial advisors, and anyone helping clients navigate complex divorce decisions involving real property, support, and future care needs. In this episode, you’ll learn: * How life insurance can protect alimony and child support obligations * Why long-term care insurance should be considered during divorce planning * The financial risks of ignoring future care costs in a settlement * How collaboration between professionals improves divorce outcomes * Why DIY divorce planning can lead to costly long-term consequences 📌 About the Guest: Carly Stein is an independent insurance broker with over 30 years of experience specializing in life insurance and long-term care planning. Based in Colorado, Carly works nationwide and is known for her education-first approach and collaborative philosophy. Connect with Carl: www.cjbins.com 🔗 Resources & Support: To connect with a Certified Divorce Lending Professional (CDLP®) in your area or explore additional divorce mortgage planning resources, visit DivorceLendingAssociation.com. 🎧 Subscribe for more expert conversations at the intersection of divorce, real property, and mortgage strategy. 💬 Share this episode with professionals or individuals navigating divorce who need clarity beyond the legal paperwork. Visit www.divorceworkshop.com [http://www.divorcemortgagecourse.com] for more information and to take back control. At the Divorce Lending Association, our mission is to help divorcing homeowners make more informed decisions regarding their home equity solutions and the divorce team identify any potential conflicts between the divorce settlement, the mortgage, and real property. Divorce Mortgage Planning is the ability to put into play the desired outcome by pairing the needs and options available while incorporating the necessary details and clarity into an executable settlement agreement to obtain closure and peace of mind successfully. Are you going through a divorce and need information on refinancing your mortgage or buying anew home once the divorce is final? Often conflict arises out of a lack of knowledge. We have an amazing workshop available allowing you to take control of your situation and divorce mortgage planning so you are in a stronger position to negotiate while removing conflict and unrealistic expectations. Visit the Divorce Lending Association [https://www.divorcelendingassociation.com/] for resources and strategies on divorce mortgage planning.

EP: 22.26 - The Power of the Pivot: Coaching Confidence and Clarity After Divorce

In this episode of the Divorce Mortgage Strategies Podcast, Certified Divorce Lending Professional Stacy Ellison sits down with Deidre Haggerty, founder of Coaching With Ms. D, for a deeply honest and inspiring conversation about rebuilding life after divorce and major personal transitions. Deidre shares how her own journey—marked by career dissatisfaction, profound loss, and a return to her original passion for psychology and helping others—ultimately led her to become a coach. Together, Stacy and Deidre explore how coaching provides a forward-focused, supportive space for clients who feel stuck, overwhelmed, or unsure of who they are now. Deidre discusses the difference between coaching and therapy, the emotional challenges clients face after divorce, and why true transformation begins with learning to listen to yourself. She also talks about the common desire many clients express—“Just tell me what to do”—and how coaching instead empowers them to uncover their own answers and build confidence through intentional steps, reflection, and personal accountability. This episode is a valuable resource for divorcing individuals, divorce professionals, and anyone navigating reinvention or identity shifts later in life. Watch the conversation here or inside the Divorce Strategy Hub App, and connect with Deidre at coachingwithmsd.com or on social media under Coaching With Ms. D. Visit www.divorceworkshop.com [http://www.divorcemortgagecourse.com] for more information and to take back control. At the Divorce Lending Association, our mission is to help divorcing homeowners make more informed decisions regarding their home equity solutions and the divorce team identify any potential conflicts between the divorce settlement, the mortgage, and real property. Divorce Mortgage Planning is the ability to put into play the desired outcome by pairing the needs and options available while incorporating the necessary details and clarity into an executable settlement agreement to obtain closure and peace of mind successfully. Are you going through a divorce and need information on refinancing your mortgage or buying anew home once the divorce is final? Often conflict arises out of a lack of knowledge. We have an amazing workshop available allowing you to take control of your situation and divorce mortgage planning so you are in a stronger position to negotiate while removing conflict and unrealistic expectations. Visit the Divorce Lending Association [https://www.divorcelendingassociation.com/] for resources and strategies on divorce mortgage planning.

EP: 21.25 - Where Emotion Meets Strategy: Why Starting with Mediation Changes Divorce Outcomes

In this episode, Certified Divorce Lending Professional Stacey Ellison sits down with Jann Catto, founder of TLC Mediation, Certified Divorce Financial Analyst (CDFA®), and experienced divorce mediator. Together, they take a deep dive into how mediation, emotional awareness, and strategic financial guidance shape better outcomes for divorcing couples. Jann shares her unique background as a therapist, financial advisor, insurance professional, and CDFA®—and how that combination allows her to guide clients through some of the most difficult decisions of their lives. From navigating the emotional weight of divorce to understanding the financial realities of housing, cash flow, and settlement options, this conversation highlights why starting with mediation is often the most efficient, cost-effective, and empowering path for families. In this episode, Stacey and Jann discuss: * Why mediation should be the first step before litigation * How emotions influence settlement decisions—and how professionals can help manage them * The importance of involving divorce professionals early (CDLP®, CDFA®, attorneys, therapists, and more) * What couples must understand about keeping or selling the marital home * Mortgage qualification challenges during and after divorce * How to avoid common settlement mistakes, especially around loan assumptions, alimony, and timelines * The long-term impact of choosing a cooperative vs. combative divorce process Whether you’re a divorce professional, family law attorney, financial expert, mediator, or a homeowner navigating divorce, this episode offers actionable insights you won’t want to miss. Learn more about Jann Catto and TLC Mediation: https://www.tlcmediation.com Learn more about Divorce Mortgage Planning and the CDLP® framework: https://www.divorcelendingassociation.com [https://www.divorcelendingassociation.com] If you found this episode helpful, don’t forget to like, subscribe, and share to support more conversations that bring clarity, confidence, and strategy to the divorce process. Visit www.divorceworkshop.com [http://www.divorcemortgagecourse.com] for more information and to take back control. At the Divorce Lending Association, our mission is to help divorcing homeowners make more informed decisions regarding their home equity solutions and the divorce team identify any potential conflicts between the divorce settlement, the mortgage, and real property. Divorce Mortgage Planning is the ability to put into play the desired outcome by pairing the needs and options available while incorporating the necessary details and clarity into an executable settlement agreement to obtain closure and peace of mind successfully. Are you going through a divorce and need information on refinancing your mortgage or buying anew home once the divorce is final? Often conflict arises out of a lack of knowledge. We have an amazing workshop available allowing you to take control of your situation and divorce mortgage planning so you are in a stronger position to negotiate while removing conflict and unrealistic expectations. Visit the Divorce Lending Association [https://www.divorcelendingassociation.com/] for resources and strategies on divorce mortgage planning.

EP: 20.25 - Stronger Decisions Start with Stronger Support: The Emotional & Strategic Journey of the Family Home

In this episode of the Divorce Mortgage Strategies Podcast, host Cindy Scobee, CDLP®, sits down with family law attorney Mei Shih for a deep and practical conversation about one of the most emotional and financially significant parts of divorce: decisions surrounding the family home. Together, they explore how divorcing homeowners can balance emotional attachment with smart financial strategy, why early planning around mortgage assumptions, refinances, and buyouts is essential, and how easily clients can overlook risks when making real estate decisions during a divorce. Cindy and Mei discuss the importance of shifting from emotional decision-making to a more strategic “business hat” approach and why the marital home often plays an outsized role in both the heart and the budget. They highlight the critical value of building a strong divorce team—one that includes a family law attorney, a Certified Divorce Lending Professional (CDLP®), financial neutrals, divorce coaches, and mental health support—to help clients avoid costly mistakes and reach sustainable long-term outcomes. Mei also shares real-life examples from her practice, including situations where proactive collaboration could have changed a client’s financial future, and explains her unique post-divorce support model that guides clients through implementing their settlement agreements correctly. This episode is ideal for divorcing homeowners, family law professionals, mediators, financial experts, and anyone who wants to better understand the intersection of divorce, real estate, mortgage strategy, and long-term financial stability. Whether you’re navigating a divorce personally or supporting clients through one, you’ll gain valuable insight into how strategic planning and the right professional guidance can transform the outcome. Connect with Attorney Mei Shih Website: www.shihlegal.com Visit www.divorceworkshop.com [http://www.divorcemortgagecourse.com] for more information and to take back control. At the Divorce Lending Association, our mission is to help divorcing homeowners make more informed decisions regarding their home equity solutions and the divorce team identify any potential conflicts between the divorce settlement, the mortgage, and real property. Divorce Mortgage Planning is the ability to put into play the desired outcome by pairing the needs and options available while incorporating the necessary details and clarity into an executable settlement agreement to obtain closure and peace of mind successfully. Are you going through a divorce and need information on refinancing your mortgage or buying anew home once the divorce is final? Often conflict arises out of a lack of knowledge. We have an amazing workshop available allowing you to take control of your situation and divorce mortgage planning so you are in a stronger position to negotiate while removing conflict and unrealistic expectations. Visit the Divorce Lending Association [https://www.divorcelendingassociation.com/] for resources and strategies on divorce mortgage planning.