The Value of a Certified Divorce Lending Professional (CDLP)

Mortgage and Lending with CMG Mortgage, San Diego, CA NMLS 259027

Whether you are a Real Estate Agent or a Mortgage Lender…WE ARE REAL ESTATE PROFESSIONALS, and it is our underlying duty to help our clients manage through transitions in their lives.


We help people manage their way through life transitions


There are 2 types of transitions our Clients experience throughout life…positive (happy) transitions, and negative (not-so-happy) transitions. Examples of positive (happy) transitions are when we help our clients buy their first home, also when we help them upgrade to a larger home…especially if that upgrade is in connection with a job promotion and/or increase in family size. Or maybe when we help one of our clients buy a rental property and take a pivotal step towards securing their financial future.


Yet there are also negative (not-so-happy) transitions. Most notably, death, divorce, and financial hardships. In this article, I am going to discuss divorce. I apologize in advance if the topic of divorce makes any of you feel uncomfortable…that is certainly not the intent. The fact of the matter is that divorce is real…divorce happens…divorce is interwoven into the fabric of our society.


Certified Divorce Lending Professionals (CDLP's)

are all about Ethical Consumer Protection


San Diego CDLP - Certified Divorce Lending Professional - Jason Gordon Mortgage


I think it is an appropriate time to acknowledge the elephant in the room. We live in a time where any ambiguity can and will be used against us in the court of public opinion. That said, please allow me to alleviate any ambiguity by clarifying the fact that everything in this article is (and our actions in the field as CDLP's are) centered around ETHICAL CONSUMER PROTECTION. Therefore, nothing about this article is (nor are our actions in the field are as CDLP's) meant on any level to 1) disrespect the sanctity of marriage, 2) nor is it meant to celebrate the fact that so many marriages end in divorce. 3) and if there is one thing you hear today, please hear this…we are not encouraging any of you to intentionally “break up any marriages” in order to earn a commission!


Notable Numbers & Trends


First I’d like to give you a few statistics. As we know, specific statistical numbers vary depending on the time frame studied, so I will estimate a few key numbers for you:


  1. If you took the number of total divorces in a calendar year…not filings, but actual “completed divorces” in a calendar year, and divided that number by the amount of days in the year, hours in a day, minutes in an hour, and seconds in a minute…each of us could hold our breaths long enough to see 2-3 marriages end in divorce.
  2. Approximately 50% of all 1st marriages end in divorce. As far as 2nd marriages, well that number increases closer to 2/3 ending in divorce. When we look at 3rd+ marriages, we are closer to ¾ of them ending in divorce. Again, we are not celebrating the fact that so many marriages end in divorce…but these numbers are noteworthy.
  3. Divorces for people ages 50-64 have roughly doubled according to a recent study…yet that’s not the worse. Ages 65+ have roughly tripled during that time frame! In fact there are a few terms for this population nowadays. Both of these terms relate to the hair color of this demographic. We have “Grey Divorce”…and the other are called “Silver Splitters”. These are not my terms…and you are welcome to Google them. On a side note, do you think this demographic owns real estate?
  4. It is estimated that nearly 70% of all divorces involve Real Estate. When Real Estate is involved, there are typically 3 choices the divorcing couple has with this property:
  • Sell the property and split the profits
  • One keeps the property and buys out the other
  • Both keep the property and continue to own it as business partners after they are divorced (which is rare, for obvious reasons)


The Puzzle Pieces of Divorce


Below is a simple, yet powerful image (created/provided by the Divorce Lending Association). Analyzing this image will help you better understand the role of a CDLP in the process.

CDLP - Certified Divorce Lending Professional - Jason Gordon - San Diego, CA


In the most simple of terms, all Divorcing Homeowners have…at minimum, these 4 puzzle pieces to navigate through amidst their divorce.

  • First is the legal side of the process. Regardless of whether either/both of the Divorcing Homeowners hire an Attorney, there are still legal protocols & laws, and of course, a Judge who ultimately makes the divorce official.
  • There is always a high potential of tax implications to consider, such as capital gains, mortgage interest deductions, and/or the liquidation of retirement accounts prior to reaching the age of retirement.
  • As indicated by the term “Divorcing Homeowners” we of course have real estate involved
  • And where there is real estate, there is often a mortgage


If you look closely at the image, these puzzle pieces are meant to connect with each other, but they are currently not connected. The symbolism behind the lack of connectivity is due to the fact that each of the 4 professionals involved typically “work on their own puzzle piece” but “fail to collaborate” with the other professionals involved. As these pieces ultimately need to connect, it puts pressure on the Divorcing Homeowner to connect the pieces…when typically the Divorcing Homeowner is not an expert at any 1 (much less all) of the puzzle pieces…oh yeah, and they are asked to connect these pieces amidst arguably the most emotionally traumatic time of their lives. As professionals, we can do better.


The value of a Certified Divorce Lending Professional (CDLP)


Among the ongoing advanced training that Certified Divorce Lending Professionals (CDLP's) have endured, include (but are not limited to):

  • Recognizing potential legal & tax implications with regard to mortgage financing in divorce situations
  • Specific Mortgage Underwriting Guidelines pertaining to divorce
  • Ability to identify potential concerns with support/maintenance structures that may conflict with mortgage financing opportunities
  • Potential capital gains concerns with regard to the disposition of marital real estate
  • Knowledge to allow Divorcing Homeowners (and their Attorneys) to implement a strategic divorce settlement agreement to ensure the best opportunities to secure mortgage financing post-decree
  • Recommending financing strategies to help Divorcing Homeowners identify mortgage financing opportunities for maintaining the current marital home while helping to ensure the ability to achieve future financing for the departing spouse
  • A CDLP is qualified to work with divorce professionals in a collaborative setting.
  • CDLP's can provide opportunities in restructuring a real estate portfolio to increase available cash flow when needed
  • CDLP's maintain a commitment to remaining educated and up to date in the ever-changing industry guidelines and tax rules as they pertain to divorce situations
  • CDLP's are committed to providing a higher level of service to you and your divorcing clients.


CDLP San Diego Certified Divorce Lending Professional Jason Gordon


About the Author of this article

Jason Gordon is a Divorce Mortgage Specialist with extensive experience working with Divorcing Homeowners & Home Buyers. As the only Mortgage and/or Real Estate professional in the country to earn a CDLPCDRECDSand RCS-D, Jason has been trained to proactively identify obstacles divorcing clients face when trying to obtain mortgage financing. Jason also provides collaborative guidance during the settlement process to better enable future mortgage financing opportunities.

Please contact Jason Gordon directly if you are a Divorce Attorney seeking Expert Services for your active court cases.

To download Jason Gordon's CV, please CLICK HERE

Jason Gordon provides complimentary consultations to Divorcing Homeowners to help them understand their true options with the residential debt they owe.  Oftentimes, the mortgage on the home is in BOTH of their names, when only ONE of them intends to retain the marital home.  As you can probably imagine, there are a myriad of potential outcomes, mortgage underwriting guidelines & logistics to consider for both the “In Spouse” (the one keeping the marital home) and the “Out Spouse” (the one moving out of the marital home).  Similar consultative planning would be implemented in the event the marital home is to be sold.


Simply put, Jason Gordon helps these Divorcing Homeowners make informed decisions based on FACTS rather than risking them making their own conclusions based on assumptions and/or emotions.  He works carefully with Family Law Attorneys along with other parties involved in a marital divorce to help collaborate solutions, while proactively uncovering potential pitfalls in advance.


Jason Gordon's services are complimentary & professional (and extremely “non-salesy”).  Instead, his hope with these meetings is to “do right” with these Folks at a time where they need all the accurate guidance they can obtain.  Amidst these meetings, Jason Gordon seeks to earn the trust, respect (and business when desired/appropriate) from these Divorcing Homeowners as well becoming a valued member of the “Divorce Team” to Family Law Attorneys, and the colleagues they may recommend.  Please feel free to facilitate introductions at any time if/when you feel Jason Gordon might be a good resource for any Divorcing Homeowners and/or the Professionals who serve them.

Comments (14)

Myrl Jeffcoat
Sacramento, CA
Greater Sacramento Realtor - Retired

Those statistics for the number of marriages ending in divorce are staggering.  It also brings to light the number of folks who are going through these kinds of life transition that will need professional guidance in financing new living spaces, etc.  

Very interesting post!

Jul 14, 2019 02:54 PM
Jason E. Gordon
CMG Mortgage, San Diego, CA - San Diego, CA

Thank you Myrl Jeffcoat (I couldn't agree more)!

Jul 15, 2019 05:35 PM
Carol Williams
Although I'm retired, I love sharing my knowledge and learning from other real estate industry professionals. - Wenatchee, WA
Retired Agent / Broker / Prop. Mgr, Wenatchee, WA

I didn't even know there was such a thing as a CDLP.  Very interesting info.  Thanks, Jason.

Sep 24, 2019 04:09 PM
Jason E. Gordon

Thank you very much Carol Williams for the feature and the nice comment. We just had a CDLP Mastermind Summit in Reno, NV a couple weeks ago.  There were +/- 50 CDLP's from across the Country. I highly endorse the CDLP training and leadership from the Divorce Lending Association. They are doing it right!

Sep 28, 2019 10:49 AM
Sally K. & David L. Hanson
EXP Realty 414-525-0563 - Brookfield, WI
WI Real Estate Agents - Luxury - Divorce

We have closed close to 400 divorce related in both traditional and collaborative divorce...and teach a divorce course. Have not heard of this certification...any education done by the right sources is helpful in this niche.

Sep 28, 2019 02:59 AM
Jason E. Gordon

Your production within the divorce niche is truly impressive! You might want to connect with Laurel Starks at the Divorce Real Estate Institute. She has created a curriculum (not mentioned in the above article) for Real Estate Agents that is top notch. I believe she is doing $1M+ per year in GCI specifically on divorce listings as well. For more information, visit:

Sep 28, 2019 08:06 AM
Grant Schneider
Performance Development Strategies - Armonk, NY
Your Coach Helping You Create Successful Outcomes

Good morning Jason -  the niche is certainly in demand.  While I was aware the there are many diverces and am alarmed at the number of a certain age.

Sep 28, 2019 03:49 AM
Jason E. Gordon

Thanks Grant. These numbers truly are alarming, but they clearly dictate a need for responsible professionals to emerge with the goal of providing clarity to our fellow humans going through a painful transition. 

Sep 28, 2019 08:07 AM
Barbara Todaro
RE/MAX Executive Realty - Happily Retired - Franklin, MA
Previously Affiliated with The Todaro Team

Good morning, Jason E. Gordon  the first names I thought about were Sally K. & David L. Hanson ...I know this is one of their niche areas....and I was not familiar with the lending designation for this specialty....

Sep 28, 2019 04:29 AM
Jason E. Gordon

Thanks for reaching out Barbara. I highly endorse the Divorce Lending Association (and the CDLP designation) for any Mortgage Professionals interested in specializing in assisting Divorcing Homeowners. For more information about them, visit

Sep 28, 2019 08:09 AM
Debb Janes EcoBroker and Bernie Stea JD
ViewHomes™- by eXp Realty - Vancouver, WA
REALTORS® in Clark County, WA

I also had no idea about the CDLP for lenders. That's wonderful. It is a tricky and emotional transaction to be a part of - handling it with knowledge, sensitivity, and compassion must be a big part of it. D 

Sep 28, 2019 09:21 AM
Jason E. Gordon

Thanks Debb, you are 100% correct.  A huge part of the divorce dynamic is "being human" and helping folks through an oftentimes traumatic transition. Intrinsically, it is extremely rewarding!

Sep 28, 2019 10:48 AM
Dorie Dillard Austin TX
Coldwell Banker Realty ~ 512.750.6899 - Austin, TX
NW Austin ~ Canyon Creek and Spicewood/Balcones

 Good afternoon Jason E. Gordon ,

I'm so glad that Carol Williams featured your post in her Second Chance Saturday post! There is no question you are well qualified with your CDLP credentials. I was not familiar either with the lending designation for this specialty. Good to know.

Sep 28, 2019 09:25 AM
Jason E. Gordon

Thank you Dorie Dillard CRS GRI ABR (I appreciate your comments). There's an expression that "we don't know what we don't know" (and it cannot be any more true when diving into knowledge about how to responsibly assist Divorcing Homeowners from both the Real Estate and Mortgage perspectives). 

Sep 28, 2019 10:51 AM
Nick Vandekar, 610-203-4543
Long & Foster Real Estate Inc 610-225-7400 - Devon, PA
Selling the Main Line & Chester County

Interesting post, going through a divorce myself I totally agree, and having someone who can help both of you manage the process would be helpful. And yes, even if you are the party instigating the divorce does not make it any less traumatic. Good post and happy to have found your here in the rain and now able to follow you.

Sep 28, 2019 10:29 AM
Jason E. Gordon

Thank you Nick...I definitely appreciate the kind words and wish you the best in your divorce proceedings.

Sep 28, 2019 10:45 AM
Anna "Banana" Kruchten
HomeSmart Real Estate - Phoenix, AZ

Hi Jason E. Gordon I'm so glad Carol Williams sent us over to read your absolutely great post!  I had no idea there were so many divorces happening in all age ranges. Interesting. I have helped many divorcing couple over the years and it is always  different helping them figure out what's best and keeping it running smoothing. I had no idea either there was such a thing as a CDLP lender. That is a very smart niche. Again, very through information - much appreciated.

Sep 28, 2019 02:31 PM
Jason E. Gordon

Thank you for your kind words Anna Banana Kruchten - Phoenix Homes Sales (much appreciated)! It definitely pays to go through formal training to learn the nuances of the divorce dynamics. I would definitely endorse The Divorce Real Estate Institute (for Realtors) or the Divorce Lending Association (for Lenders)

Sep 28, 2019 04:27 PM
Jeff Dowler, CRS
eXp Realty of California, Inc. - Carlsbad, CA
The Southern California Relocation Dude


Those statistics are pretty staggering!

I've not heard of this certification but the value of having this in order to help those going through a divorce and all of the challenges.


Sep 29, 2019 08:23 AM
Jason E. Gordon

Hello Jeff,

Nice to see a fellow San Diegan on this thread!  There is definitely a market for this specialization (and a huge need for these folks to be advised ethically and effectively). 


Sep 29, 2019 02:38 PM
Trent Dalrymple (248) 854-0625
Home State Bank - Bloomfield Hills, MI
Allowing Mortgage Professionals to Lend Nationwide

A tough subject to explain without sounding like an "downer" but you did a nice job of it Jason.  Like many of the others, I was not aware of the CDLP designation but I can definately understand the advantages for your clients.

How many more people could you help if you were able to take your specialty outside of California with no additional state licensing?  If you would like to have a brief discussion, call or text me, at (248) 854-0625 or email me, at (or read one of my AR blogs).



Sep 30, 2019 06:28 PM
Jason E. Gordon

Thank you for the kind words Trent.  This is a more localized niche, so I'm okay being confined to California. Wishing you and your company success.

Oct 01, 2019 10:29 AM
Mary Hutchison, SRES, ABR
Better Homes and Gardens Real Estate-Kansas City Homes - Kansas City, MO
Experienced Agent in Kansas City Metro area

Have never heard of this certification--I bet you stay busy!

Oct 01, 2019 02:06 PM
Jason E. Gordon

Thanks Mary. While I don't celebrate the fact that marriages sometimes end in divorce, I do embrace the reality that divorce happens...and these folks need to be making decisions based on FACTS (not solely on ASSUMPTIONS and/or EMOTIONS). I appreciate you reaching out!

Oct 01, 2019 02:33 PM
Sheri Sperry - MCNE®
Coldwell Banker Realty - Sedona, AZ
(928) 274-7355 ~ YOUR Solutions REALTOR®

Hi Jason E. Gordon,

It is unfortunate that people need this type of service but very glad to see that there are people like you who can help with it.  You are so right. That puzzle needs to be better connected and you are helping with that cause.

Oct 03, 2019 07:00 AM
Jason E. Gordon

Thanks Sheri Sperry - MCNE®  

There is an ongoing market of people who need this help...there's definitely a way to do it right (and collaborating with like-minded, ethical professionals is a great foundation to success)

Oct 03, 2019 04:19 PM