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 DFW | Denton & Collin County

lender, Elizabeth Rose, DFW, Denton Co, Collin Co, Denton, Flower Mound, Highland Village, Frisco, Dallas metroplex, Dallas-Ft Worth, Texas, divorce consulting, divorce financial transition The Dallas-Fort Worth metro is one of the fastest growing regions in the country — and one of the most complex for women navigating a divorce and a housing decision at the same time.

I am Elizabeth Rose, a Certified Divorce Lending Professional serving the full DFW Metro area, with a particular focus on Denton County and Collin County — two of the fastest growing and most active real estate markets in North Texas.

If you are going through a divorce, rebuilding after one, or simply ready to buy a home on your own in the DFW area, I would be honored to be in your corner.

Divorce Mortgage DFW — Serving Denton County

Denton County has seen remarkable growth over the past decade — and with that growth comes a real estate market where the stakes in a divorce settlement are higher than ever.

Communities I serve in Denton County:

Denton · Lewisville · Flower Mound · Highland Village · Corinth · Lake Dallas · Shady Shores · Argyle · Bartonville · Lantana · Little Elm · The Colony · Frisco · Carrollton · Coppell · Grapevine · Northlake

Whether your marital home is in an established neighborhood or one of Denton County’s newer master-planned communities, the mortgage decisions tied to that home deserve a specialist who understands both the legal and the financial.

For divorce mortgage planning in Fort Worth and North Tarrant County, including Southlake, Keller, Colleyville, Roanoke, and Grapevine, visit my Fort Worth divorce mortgage planning page.

Divorce Mortgage DFW — Serving Collin County

Collin County is home to some of the most sought-after communities in the entire DFW Metro — and some of the most complex divorce settlements as a result.

Communities I serve in Collin County:

Plano · Frisco · McKinney · Allen · Fairview · Lucas · Parker · Murphy · Wylie · Sachse · Lavon · Princeton · Anna · Celina · Prosper · The Colony · Little Elm

In high-value markets like Frisco and McKinney, the marital home may be the most significant asset in the divorce. Getting the mortgage strategy right — before the settlement is signed — can mean the difference between financial stability and financial strain for years to come.

What a CDLP Brings to Your DFW Divorce

A Certified Divorce Lending Professional is one of fewer than one percent of licensed mortgage professionals in the country. That credential exists because divorce is not a standard mortgage transaction.

When I work with a client in the DFW area before their settlement is final, I evaluate:

— Whether you can qualify to refinance the marital home on a single income in today’s DFW market
— How your post-divorce income — including support payments — will be treated by underwriters
— How the equity in your DFW home should be structured in the settlement
— What your realistic timeline looks like for purchasing your next home in the metro
— What mortgage considerations your attorney may need to address in the decree to protect your mortgage options

Your DFW family law attorney handles the legal.

I handle the mortgage. Together, your team is whole.

Not sure whether the mortgage pieces of your settlement are ready?

The Before You Sign Readiness Assessment walks you through five areas to consider before agreeing to keep or refinance the marital home: income, credit, decree, equity, and timeline.
Take the Before You Sign Assessment

For the Woman Ready for Her Next Chapter in DFW

Not every woman who reaches out to me is in the middle of a divorce. Many are on the other side of one — ready to buy their first home on their own,
ready to stop renting, ready to build something that belongs entirely to them.

The DFW Metro offers tremendous opportunity for women ready to plant roots and build equity. I help them do it with clarity, intention, and a mortgage strategy built around the life they’re actually building — not the one they left behind.

No pressure. No rush. Just clarity.

Schedule a Clarity Call

Elizabeth Rose is a Certified Divorce Lending Professional (CDLP®) and licensed mortgage professional serving women throughout Texas with 29+ years of experience in real estate, mortgage, and financial services. She is also a retirement planning and annuities strategist, and the author of Sister, Own Your Finances. Elizabeth helps women navigate the financial decisions that carry the most weight – by design, not default. NMLS# 252686 | NPN# 19058858

Serving the Full DFW Metro — Denton County · Collin County – North Tarrant County · North Dallas County

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

A financial empowerment framework for women who are ready to stop reacting and start building — beginning, as all good strategy does, with identity. Available on Amazon.

Buy on Amazon