Question 1

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

Accepted Answer

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.

Question 2

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

Accepted Answer

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.

Question 3

What is a Fixed Indexed Annuity?

Accepted Answer

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.

Question 4

What states does Elizabeth Rose serve?

Accepted Answer

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.

Question 5

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

Accepted Answer

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?

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