Mortgages in divorce play by different rules.

Tami has spent 30+ years in mortgage lending, with the last five focused almost exclusively on divorcing homeowners — guiding more than 1,000 individuals and couples through refinancing, equity division, and qualification. She bridges the gap between divorce agreements and real-world mortgage approval, working alongside attorneys and mediators so clients understand their options before agreements are finalized.

Tami specializes exclusively in mortgage and financing situations that come up during divorce — refinancing, assumption, partial buyouts, asset trades, and what to do when standard lender guidelines don't match your divorce agreement.

What we'll cover

One call, four real answers.

You set the agenda. These are the most common questions people bring to a first call.

Can I actually qualify on my own?

DTI, income documentation, support as qualifying income — the real numbers, not the optimistic ones.

Refinance, assumption, or something else?

Which financing path is realistic for your loan type, your situation, and current market conditions.

How do I get my spouse off the loan?

Why a quit-claim deed isn't enough. What lenders actually need to release the other spouse from liability.

What does my divorce decree need to say?

The specific language lenders look for. Many decrees are written in ways that make financing harder than it needs to be.

Pick a time that works

Book your 15 minutes with Tami.

Calls available daily, 8am–8pm PST. You'll get a confirmation email with the Zoom link and a short intake form so we can hit the ground running.

Why Tami

A mortgage specialist who speaks divorce.

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CDLP®-trained

Certified Divorce Lending Professional designation — specialized training on how divorce specifically interacts with mortgage qualification, support income, and lender guidelines.

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Coordinated with attorneys

Tami works alongside your divorce attorney to make sure the agreement is financeable. She'll flag decree language that would make refinancing harder before you sign.

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Nationwide reach

Mortgage strategy is federal — Tami can talk through your situation regardless of which state you're in. If you need a local lender, she'll point you to one she trusts.

Second thought?

Realized you're more focused on selling?

If you and your spouse are leaning toward selling instead of one of you keeping the home — Elisha is your person.

Talk to Elisha instead →