Author of Sister, Own Your Finances

“ We just couldn't put it down until we'd turned the last page. We can't wait to see what's next from [author name]! ”

The New York Times

Where do you need to begin?

She found her way here for a reason.

I

If you are navigating divorce

The house is only part of what's at stake.

You need someone in the room before the decree is signed — not after. As a Certified Divorce Lending Professional, I bring mortgage intelligence and post-divorce financial strategy to your settlement process.

Explore The Aligned Financial House™
II

If you are buying your next home

This decision deserves more than an approval letter.

Buying a home at this stage of life is different. The margin feels smaller. The stakes feel higher. I help you think beyond what you qualify for — to what actually serves the life you're building next.

Get the Homebuyer Perspective
III

If you are planning for retirement

Security is a structure, not a feeling.

You've worked too hard to leave your retirement income to chance. I help women over 50 build guaranteed income streams, protect what they've built, and step into their next chapter by design — not default.

Get the Retirement Wake-Up Call
Elizabeth Rose

"I have rebuilt each time.
And I teach others
how to do the same."

About Elizabeth

I'm not speaking
from theory.

I am a woman over 50 who has lived the stories I tell. Two divorces. Financial crisis. Rebuilding from nothing — my finances, my business, my identity. I have put my kids through college, paid for their weddings, and I am now a grandmother.

I know what it feels like to sit across from a professional who doesn't understand the weight of where you are. That's not the experience I create.

I work with women who appear strong on the outside but are quietly asking, "What now?" My job is to hold the strategy — and hold the space — while they find their footing.

  • Licensed Mortgage Professional NMLS# 252686 — Texas
  • Certified Divorce Lending Professional (CDLP)
  • Retirement Planning & Annuities Strategist NPN# 19058858
  • Author, Sister, Own Your Finances
  • Business Coach & Digital Marketing Educator
Read My Full Story

How I Can Help

Three areas.
One framework.

Every service I offer moves through the same sequence: identity first, then psychology, then strategy. Because a woman who knows who she is does not rush the biggest financial decisions of her life.

Divorce Mortgage · Texas

The Aligned Financial House™

A four-phase divorce consulting framework that begins before the decree is signed and follows you all the way to a fully aligned financial life. I work alongside your attorney and mediator to bring mortgage intelligence into the room before the decisions are made.

↓

Free Framework

The Aligned Financial House™ — 4-Phase Guide
Download the Framework
Home Buying · Texas

Mortgage Planning for Your Next Chapter

Most lenders are trained to help you get approved. My role is different. I help you make a housing decision that supports the life you're building next — considering your income timeline, your equity, your retirement, and how long this home needs to work for you.

↓

Free Guide

Before You Buy Your Next Home — A Homebuyer Perspective
Get the Guide
Retirement Planning · Multi-State

Income You Cannot Outlive

Retirement isn't an age. It's a structure. I help women over 50 build guaranteed income streams through fixed indexed annuities and strategic retirement planning — so no matter how long you live, you have a financial floor to stand on.

↓

Free Assessment

The Retirement Wake-Up Call
Get the Assessment

The Philosophy

Worth comes
before strategy.

Most financial guidance starts at the numbers. I start further back — with the woman making the decisions. Because until identity is grounded, financial decisions drift with emotion.

This is the sequence I walk every client through. The order matters. Skipping steps is why capable women make financial decisions they later regret.

Get the 6 Steps to Flourish →
01

Straighten Your Crown

Identity before everything. Who are you in this season — not who you were before.

02

Understand Your Internal Weather

That is not a discipline problem. That is a physiological one. Your nervous system is running the show.

03

Rewrite Your Money Story

The beliefs you carry about money are rarely yours. They were handed to you. Most of them are not true.

04

Know Your Numbers

Your numbers are not a verdict. They are a starting point. Own them.

05

Control the Chaos

Rebuilding deserves a strategy. Not a hustle. A strategy.

06

Build Security By Design

By design, not default. A future built on purpose — not on reaction.

"A woman who knows who she is does not rush the biggest financial decision of her life."
— Elizabeth Rose, Sister, Own Your Finances
Texas Licensed mortgage professional serving women statewide
CDLP Certified Divorce Lending Professional — a specialty most lenders don't hold
Multi-
state Insurance and retirement planning beyond Texas borders
Author Sister, Own Your Finances — the framework behind the work

Sister, Own Your Finances

Elizabeth Rose

The Book

The full blueprint.

Written from lived experience — not theory. Sister, Own Your Finances is a financial empowerment framework built for women who find themselves suddenly single, starting over, or simply ready to stop reacting and start building.

Every principle I teach in the room, I wrote in the book first. It is both the story and the strategy — and it begins, as everything I do, with identity.

Get the Book on Amazon Free Resources →

Common Questions

What women ask
before they reach out.

What does a Certified Divorce Lending Professional (CDLP) actually do? +
Most mortgage professionals get involved after your divorce settlement is final. A Certified Divorce Lending Professional (CDLP) comes in before — during the settlement process — to help you and your attorney understand what the house decisions actually mean for your financial future. I analyze whether you can truly afford to keep the marital home on a single income, how to structure equity buyouts, and how your post-divorce income affects what you can qualify for next. The decisions you make during the divorce directly affect your financial life for the next 20 years.
Can I get a mortgage in Texas if I'm living on alimony or child support? +
Yes — but there are specific underwriting requirements. For alimony and child support income to count toward mortgage qualification, it typically needs to have been received consistently for at least 6 months and must continue for at least 3 years after the loan closes. Timing your mortgage application relative to when support income begins is critical. This is exactly the kind of planning that should happen before your settlement is signed — not after.
Is it different buying a home after 50 versus in your 30s? +
Significantly. When you're buying a home at this stage of life, you're not building from zero — you're protecting what you've built while stepping into what comes next. Your income timeline is different. Retirement is closer. The margin for error feels smaller. I help midlife buyers think beyond "what can I qualify for" to ask the deeper question: "how does this decision support my income, my retirement, and the life I'm actually building?"
What is a Fixed Indexed Annuity and is it right for me? +
A Fixed Indexed Annuity (FIA) is a retirement income tool that gives you growth potential tied to a market index — without direct market risk — plus a guaranteed income stream you cannot outlive. For women over 50 who are starting over or rebuilding, it can be one of the most powerful tools available. It creates a personal pension-style income floor, regardless of how long you live or what the market does. Whether it's right for your situation depends on your income needs, timeline, and overall retirement picture.
Do I need to be in crisis to work with you? +
Not at all. Some of my clients are in the middle of a divorce and genuinely overwhelmed. Others are simply in a season of transition — empty nest, approaching retirement, or ready to make intentional decisions about their next chapter. What they share is this: they want someone who understands the weight of where they are and who brings both the emotional grounding and the financial strategy. You don't need to be in crisis. You just need to be ready to build on purpose.
What states do you serve? +
My mortgage licensing is specific to Texas — so for home purchases, refinances, and divorce mortgage consulting, I serve clients throughout the state of Texas. My retirement planning and insurance work is multi-state, which means I can help women across the country with annuities, income planning, and financial strategy. Not sure which applies to your situation? Reach out and we'll figure it out together.

Your next chapter

Rebuilding deserves
a strategy.

When you're ready — not before — let's have a conversation about where you are and what you're building. This is not a sales call. It is a clarity session.

Schedule Your Clarity Call

No pressure. No rush. Just clarity.