What does a Certified Divorce Lending Professional (CDLP) do?

A Certified Divorce Lending Professional (CDLP) provides mortgage consulting during the divorce settlement process — before the decree is signed. This includes analyzing whether a spouse can afford to keep the marital home on a single income, structuring equity buyouts, and planning post-divorce mortgage qualification based on new income sources like alimony or child support.

Can I get a mortgage in Texas using alimony or child support income?

Yes. In Texas, alimony and child support can be counted as qualifying income for a mortgage if it has been received for at least 6 months and is documented to continue for at least 3 years after the loan closes. Timing the mortgage application properly relative to when support income begins is critical and should be planned before the divorce settlement is finalized.

What is a Fixed Indexed Annuity?

A Fixed Indexed Annuity (FIA) is a retirement income product that provides growth potential linked to a market index without direct market risk, plus a guaranteed income stream that cannot be outlived. For women over 50 rebuilding their financial lives, it can serve as a personal pension — providing a guaranteed income floor regardless of market conditions or longevity.

What states does Elizabeth Rose serve?

Elizabeth Rose is based in the Dallas-Fort Worth Metro area and holds a mortgage license in Texas, serving clients statewide for home purchases, refinances, and divorce mortgage consulting. Her retirement planning and insurance services are available across multiple states throughout the United States.

Is it different buying a home after 50 versus in your 30s?

Significantly. When buying a home at midlife, you are not building from zero — you are protecting what you have built while stepping into what comes next. Income timelines are different. Retirement is closer. The margin for error feels smaller. Elizabeth Rose helps midlife buyers think beyond qualification to ask: how does this decision support my income, my retirement, and the life I am actually building?

Divorce Mortgage Specialist Dallas & North Dallas County

Going through a divorce in Dallas means navigating one of the most complex real estate markets in Texas — at one of the most emotionally demanding times of
your life. The mortgage decisions embedded in your settlement deserve more than a standard lender.

They deserve a specialist.

I am Elizabeth Rose, a Certified Divorce Lending Professional serving women throughout Dallas and North Dallas County — including Addison, Richardson,
Garland, Mesquite, Rowlett, Sachse, and the surrounding communities.

I bring mortgage intelligence into the divorce process before the decree is signed. Not after.

Divorce Mortgage Dallas — What Most Women Don’t Know

In a Dallas divorce, the marital home is often the largest single asset being divided. And yet the mortgage implications of how that home is handled in the settlement are almost never fully analyzed before the ink dries.

Here is what most women in Dallas don’t know until it’s too late:

A divorce decree can award you the home. It cannot remove your spouse from the mortgage. Only a refinance can do that — and qualifying for that refinance on a single income, in Dallas’s market, requires planning that should start before the settlement is final.

As a Certified Divorce Lending Professional, I help you understand exactly what that refinance will require — your income picture, your timeline, your options — before you agree to anything in mediation.

What I Do Before Your Dallas Divorce Is Final

Working with a CDLP before your Dallas divorce settlement is final means:

— Your attorney knows what mortgage language to include in the decree
— Your equity buyout is structured in a way that financing can actually execute
— Your alimony or child support income is documented in a way underwriters will accept
— Your timeline for purchasing your next home is realistic and planned
— You walk out of your divorce with a mortgage strategy — not a mortgage problem

Your Dallas family law attorney handles the legal.

I handle the mortgage. Together, you have the full picture.

Serving Women Across North Dallas County

My service area covers the full North Dallas County region and surrounding communities:

Dallas · Addison · Richardson · Garland · Mesquite · Rowlett · Sachse · Sunnyvale · Balch Springs · Seagoville · Hutchins · Wilmer · Glenn Heights

Whether your marital home is in Lakewood, Preston Hollow, Lake Highlands, Oak Cliff, or any surrounding neighborhood or suburb — the mortgage piece of your divorce deserves a specialist who knows this market.

For the Woman Starting Over in Dallas

Some of the women who call me are in the middle of a divorce. Others finalized theirs years ago and are now ready to buy a home on their own for the first time. Others are widows who are navigating a VA loan or an estate and don’t know where to start.

Wherever you are in your story — if you are a woman over 50 in the Dallas area who is ready to make a smart, intentional housing decision, I am the mortgage
professional who wants to be in your corner.

No pressure. No rush. Just clarity.

Schedule a Clarity Call

Elizabeth Rose | Certified Divorce Lending Professional
NMLS# 252686 | Licensed in Texas
Serving Dallas and all of North Dallas County

Preface

As a single mom to two little girls, I recall what it feels like to be alone, broke, and lost. To not have a clue how to make ends meet, much less get ahead. To live paycheck to paycheck with a scarcity mindset, wondering how I would provide for my kids.

The father of my girls, my first husband, and I were high school .

Preface

As ta single mom of two little girls, I recall what it feels like to be alone, broke, and lost. To not have a clue how to make ends meet, much less get ahead. To live paycheck to paycheck with a scarcity mindset, wondering how I would provide for my kids.

Divorce Mortgage Specialist Dallas & North Dallas County | Elizabeth Rose

Divorce Mortgage Dallas — What Most Women Don’t Know

What I Do Before Your Dallas Divorce Is Final

Serving Women Across North Dallas County

For the Woman Starting Over in Dallas

Preface

The Book That Starts Where Most Financial Books Don't.