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?

Free Download · Divorce Mortgage Assessment

Before You Sign, Know Where You Stand

A free assessment for Texas women deciding whether to keep the marital home — before the decree makes that decision for you.

Keeping the house isn’t only a legal decision. It’s a mortgage decision — and the two aren’t always evaluated by the same rules.

This assessment walks you through the five areas that determine whether keeping the house is actually realistic — before you agree to anything in writing.

What You’ll Walk Away Knowing

Income — what a lender can actually count, not just what feels true on paper

Credit — the joint accounts that may still be quietly tied to your name

Your Decree — what it does, and doesn’t, do to your mortgage

Equity — the difference between equity on paper and money in your hand

Timeline — whether your refinance deadline is actually realistic

You don’t have to have this figured out on your own.

Get Your Free Assessment

No spam. Just the assessment, and a few honest emails after it.

Written by Elizabeth Rose, CDLP® — Certified Divorce Lending Professional, licensed mortgage professional (NMLS# 252686), and a woman who has rebuilt her own finances twice, after two divorces of her own.

Elizabeth Rose | NMLS# 252686 | Licensed in Texas | 1elizabethrose.com

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.

Before You Sign, Know Where You Stand

Preface

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