• Home
  • About
    ▼
    • About Collaborative Divorce
    • Why Choose Collaborative Divorce
    • Introduction to the Collaborative Divorce Process
    • About SCD
  • Find a Professional
    ▼
    • All Professionals
    • Attorneys
    • Financial Specialists
    • Divorce Coaches
    • Child Specialists
    • Resource Specialists
    • How to Choose a Collaborative Professional
  • FAQs
  • Blog
  • Workshops
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

Sacramento Collaborative Divorce

A Better Peaceful Divorce

Join SCDG | Members Area | Contact Us

  • Home
  • About
    • About Collaborative Divorce
    • Why Choose Collaborative Divorce
    • Introduction to the Collaborative Divorce Process
    • About SCD
  • Find a Professional
    • All Professionals
    • Attorneys
    • Financial Specialists
    • Divorce Coaches
    • Child Specialists
    • Resource Specialists
    • How to Choose a Collaborative Professional
  • FAQs
  • Blog
  • Workshops
You are here: Home / Archives for Joe Siau

Joe Siau

Joe has accumulated many perspectives to be your trusted Reverse Mortgage Specialist, Certified Mortgage Advisor and Certified Divorce Lending Professional.
https://JoeMortgageTeam.com
https://StraitArrow.net/JoeSiau

Can I Assume The Existing Mortgage Post-Divorce?

December 16, 2022 By Joe Siau

Assumption of loan

Can one spouse assume the mortgage releasing the ex-spouse from future liability? With rising mortgage interest rates, many divorcing homeowners ask, “Can I assume the existing mortgage?” By assuming the existing mortgage post-divorce, one spouse hopes to eliminate the need to refinance while keeping the current mortgage terms including lower interest rate, remaining balance, and time paid [Read more...] about Can I Assume The Existing Mortgage Post-Divorce?

Filed Under: Blog Tagged With: Existing Mortgage, Post Divorce

Income vs. Qualifying Income

December 2, 2022 By Joe Siau

Income vs Qualifying income

Often times in a divorce and mortgage situation there are various types of income to consider: Employment Income; Alimony/Maintenance Income; Unallocated Maintenance Income; Child Support Income; Property Settlement Note Income; and more. Although all sources of income are considered “income” by the recipient, it is important to understand that from a mortgage financing perspective, not all [Read more...] about Income vs. Qualifying Income

Filed Under: Blog Tagged With: Differnce, Income, Qualifying Income

Common Credit Concerns With Divorcing Couples

November 2, 2022 By Joe Siau

Credit Concerns and Divorce

Mortgage payment is missed. Whether an oversight or intentional, when a mortgage payment is missed there are more repercussions than just a negative hit to the credit score. Marital Home in Foreclosure Proceedings. Many times, in a divorce situation there are financial struggles and often times the marital home is involved in foreclosure proceedings. If foreclosure proceedings have [Read more...] about Common Credit Concerns With Divorcing Couples

Filed Under: Blog Tagged With: Credit Concerns, Divorcing, Finances

What is the Vetting Process in Divorce Mortgage Planning?

October 14, 2021 By Joe Siau

Vetting Process in Divorce

The term vetting has become commonplace in today's political and business world.  But what does vetting mean, and how does it fit into divorce mortgage planning?  Vetting means conducting a thorough and diligent review of a person, document, property, investment, or solution. In a divorce setting, vetting the professional divorce team is a critical step to make sure they will not only [Read more...] about What is the Vetting Process in Divorce Mortgage Planning?

Filed Under: Blog Tagged With: Divorce, Mortgage Planning, Vetting Process

A Deeper Look at the Mortgage Interest Deduction During Equity Buy Out

November 16, 2020 By Joe Siau

Equity Buy Out

The Mortgage Interest Deduction May Be a Great Tax Planning tool as long as you understand what you are working with. Qualified Home In order to use the mortgage interest deduction, the mortgage must be secured by a Qualified Home: Main home.  You can have only one main home at any one time. This is the home where you ordinarily live most of the time. Second [Read more...] about A Deeper Look at the Mortgage Interest Deduction During Equity Buy Out

Filed Under: Blog Tagged With: Deductions, Equity Buy Out, Mortgage Interest

Choosing Additional Resources to Complete Your Team of Advisors

October 12, 2020 By Joe Siau

Advisor team

The intersection of divorce, real estate and mortgage financing is real.  Apart from the importance of selecting a family law divorce attorney, the impact other members on the divorce team can have is important as well. A Certified Divorce Lending Professional (CDLP) can bring a different perspective to your divorce team.  With about 600 CDLP’s in the country, it is a well-trained and [Read more...] about Choosing Additional Resources to Complete Your Team of Advisors

Filed Under: Blog Tagged With: Advisors, Lending Professionals, Resources

Buying a New Home When Tied to The Mortgage on The Marital Home

March 24, 2020 By Joe Siau

divorce and home mortgage

One of the main concerns, when one party is retaining the marital home, is that the vacating or out spouse will not be able to qualify for future mortgage financing while their name remains tied to the current mortgage. This isn’t necessarily so, and we can help our divorcing clients with this issue with the correct verbiage contained in the final divorce settlement agreement.  When a [Read more...] about Buying a New Home When Tied to The Mortgage on The Marital Home

Filed Under: Blog Tagged With: Divorce, Lending Professionals

Frequently Asked Questions about Mortgages during the divorce process

December 2, 2019 By Joe Siau

get-a-mortgage-after-divorce

What is a CDLP? A CDLP is a Certified Divorce Lending Professional who brings the financial knowledge and expertise of a solid understanding of the connection between Divorce and Family Law, IRS Tax Rules and mortgage financing strategies as they relate to real estate and divorce. A loan officer must pass the CDLP program to receive this unique designation. A CDLP cannot charge you more fees [Read more...] about Frequently Asked Questions about Mortgages during the divorce process

Filed Under: Blog

Primary Sidebar

Find a Collaborative Professional

Getting started with the CollaborativeProcess? First you need to connect with a trained Collaborative Professional.

Find a Professional

Attend a Workshop

Collaborative Professional Spotlight

Patricia Clark

Patricia D. Clark

Have You Read?

Income vs Qualifying income

Income vs. Qualifying Income

Often times in a divorce and mortgage situation there are various types of income to consider: Employment Income; Alimony/Maintenance Income; Unallocated Maintenance Income; Child Support Income; [Read More...]

Contact Us 916-863-9777

Contact Us 916-863-9777

Footer

Sacramento Collaborative Divorce

4740 Folsom Blvd
Sacramento, CA 95819

916-863-9777
916-863-9777

Privacy Policy

Contact Our Webmaster

  • Facebook

Copyright © 2023 - All Rights Reserved

· · ·

Web Design by The Crouch Group · Log in