Expert Mortgage Tips For Your Divorce Process

Welcome back to The D Shift: Redefining Divorce And Beyond! Today, host Mardi Winder welcomes a truly unique expert to discuss one of the most impactful, yet often confusing, aspects of the divorce process: your home and your mortgage. Joining us is Stacey Ellison, a Certified Divorce Lending Professional and divorce mortgage planner, whose career has been devoted to helping divorcing individuals navigate the complex intersection of family law, real estate, and mortgage lending.

In this candid conversation, Stacey Ellison reveals how the home often sits at the emotional and financial crossroads of divorce, and why decisions around mortgages are rarely as straightforward as most people believe. Drawing from her extensive experience, Stacey Ellison sheds light on common myths, for example, the misconception that you can simply “remove a spouse from a mortgage”, and unpacks why mortgage guidelines can drastically change when divorce enters the picture.

Together, Mardi and Stacey discuss real-world mistakes she’s seen, such as unrealistic timelines for refinancing, misunderstandings about lending requirements, and the risks of leaving both spouses tied to a property after separation. The episode covers scenarios ranging from couples with multiple properties to those facing market value vs. appraisal discrepancies, and why having a team of professionals, including lawyers, accountants, and mortgage experts, is the key to building a realistic, sustainable plan.

You’ll hear about the importance of running accurate numbers, the power of pre-planning and backup strategies, and why leaving things to chance can lead to costly and stressful complications down the road. Whether your divorce is collaborative or adversarial, this episode is packed with practical advice and expert tips to help you protect your assets, avoid common pitfalls, and set yourself up for a secure new beginning.

About the Guest:

Stacey Ellison is a Certified Divorce Lending Professional and Divorce Mortgage Planner with a deep understanding of the financial complexities that arise during and after divorce. With over 30 years of experience in the mortgage industry, Stacey brings a unique blend of technical knowledge and compassionate guidance to individuals navigating one of life’s most challenging transitions. Since earning her CDLP® designation in 2020, Stacey has worked closely with family law attorneys, mediators, financial planners, and other divorce professionals to provide strategic mortgage guidance tailored to each client’s needs.

Her role is to ensure that both parties in a divorce understand their options when it comes to home equity, mortgage qualification, and long-term housing goals. Whether helping a client determine if they can keep the marital home, qualify for a new mortgage, or explore equitable buyout solutions, Stacey provides clarity, structure, and confidence in the decision-making process. Her goal is to help divorcing homeowners make sound financial choices that support both their immediate needs and long-term stability.

To connect with Stacey:

Instagram: @divorcemortgagesolutions

Facebook: https://www.facebook.com/StaceyCDLP

Linked in: linkedin.com/in/stacey-ellison-694052a

Divorce Lending Assoc: divorcelendingassociation.com/offices/stacey-ellison.cfm

About the Host:

Mardi Winder is an ICF and BCC Executive and Leadership Coach, Certified Divorce Transition Coach, Certified Divorce Specialist (CDS®) and a Credentialed Distinguished Mediator in Texas. She has worked with women in executive, entrepreneur, and leadership roles, navigating personal, life, and professional transitions. She is the founder of Positive Communication Systems, LLC, and host of Real Divorce Talks, a quarterly series designed to provide education and inspiration to women at all stages of divorce.

Are you interested in learning more about your divorce priorities? Take the quiz "The Divorce Stress Test".

Connect with Mardi on Social Media:

Facebook - https://www.facebook.com/Divorcecoach4women

LinkedIn: https://www.linkedin.com/in/mardiwinderadams/

Instagram: https://www.instagram.com/divorcecoach4women/

Youtube: https://www.youtube.com/@divorcecoach4women

Thanks for Listening!

Thanks so much for listening to our podcast! If you enjoyed this episode and think that others could benefit from listening, please share it using the social media buttons on this page.

Do you have feedback or questions about this episode? Leave a comment in the section below!

Subscribe to the Podcast

If you would like to get automatic updates of new podcast episodes, you can subscribe to the podcast on Apple Podcasts. You can also subscribe in your favorite podcast app.

Leave us an Apple Podcast Review

Ratings and reviews from our listeners are extremely valuable to us and greatly appreciated. They help our podcast rank higher on Apple Podcasts, which exposes our show to more awesome listeners like you. If you have a minute, please leave an honest review on Apple Podcasts.