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Launch a Strategic Divorce Mortgage Planning Business with the CDLP® Certification

This Is the Only Certification That Comes with a Built-In Business Model

This isn’t just more education. You’re stepping into a profession with strategy, structure, and sustained income.

CDLP Business Model and Venn Diagram

Working with divorcing homeowners isn’t about doing a loan for someone who happens to be going through a divorce. It’s about applying strategic expertise at the intersection of family law, mortgage planning, real property division, and financial strategy—before the loan is ever considered.

The CDLP® Business Program gives you the certification, the credibility, and the platform to operate in a space most mortgage professionals don’t even know exists. This is not just about education—it’s about elevation.

CDLPs are not “divorce-friendly lenders.”

A CDLP® is a Certified Housing Strategist — not just a lender with divorce experience. They are trained to integrate mortgage planning into the legal and financial framework of divorce, providing compliance‑aligned strategies that create stability and lead to successful outcomes.

By collaborating directly with family law professionals and working with clients before agreements are finalized, CDLPs® prevent costly mistakes, resolve potential lending roadblocks, and ensure housing decisions are made with both financial and legal outcomes in mind.

With the CDLP® Hybrid Business Model, you’re equipped to offer both mortgage origination and strategic divorce consulting as part of a clearly defined, dual-capacity business structure. You’ll follow a compliant, structured roadmap that allows you to provide strategic divorce consulting before any mortgage financing is discussed. The consulting arm is fully managed by the Divorce Lending Association, so you can offer high-value services professionally and ethically—then, when appropriate, transition into your role as a mortgage originator with clarity and integrity.

Not All Divorce Certifications Lead to a Business — Here’s the Difference

Most divorce designations stop at education, leaving you with a certificate but no clear path to building a sustainable business. The CDLP® Business Program is different.

Comparison of CDLP® Business Program vs typical divorce designations, highlighting training, compliance, consulting, CE credits, and business support.

With CDLP®, you gain not only a certification but also the structure and support to build a lasting, impactful practice.

CDLP® Divorce Mortgage Planning Business Program

Launch a Strategic Divorce Mortgage Planning Business with the CDLP® Hybrid Model

$2,495 One-Time Enrollment + $279/month Core Membership

✔ Flexible Certification Pathways
Approximately 20 hours of total coursework through a self-paced format or guided FastTrack cohort.

✔ Alternative financing options are available at registration.

✔ Build a Business. Lead the Market. Get Certified.

The CDLP® Hybrid Model is redefining divorce mortgage planning. This is your platform to grow, lead, and serve at the highest level.

Register Today!

What’s Included in Your CDLP® Business Program with Core Membership

✔ Full CDLP® Certification
Become a Certified Divorce Lending Professional® trained in the legal, financial, and real property dynamics of divorce. This comprehensive certification prepares you to deliver strategic insight during property division, support settlement negotiations, and collaborate effectively with attorneys, mediators, and financial professionals.

✔ Core Membership & Business Infrastructure
Your first month of Core Membership is included ($279/month thereafter). Includes: Weekly Coaching, CRM integration, branded newsletters, presentations approved for CE, CLE, CME, and CJE credit, automated social media, professional directory listing, and a vault of high-converting marketing assets and more!

✔ CDLP® Hybrid Business Model
Operate as both a strategic consultant and mortgage originator. The Divorce Lending Association fully manages all consultation requests, engagement letters, disclosures, and payment processing, allowing you to focus on client strategy while maintaining compliance. CDLPs retain 95% of all consulting revenue.

✔ Done-for-You Assets & Professional Outreach Resources
Access presentations, case studies, professional communication templates, and strategic materials designed to support meaningful collaboration with family law professionals.

✔ Live Coaching & Peer Masterminds
Participate in weekly coaching sessions, expert discussions, and community collaboration to elevate your expertise and expand your market reach.

✔ Path to Advanced Support — Platinum Upgrade Available
For those ready to take their business to the next level, the Platinum Membership offers small group coaching, lead opportunities, and specialized business development strategies. Upgrade available post-certification. (See more under "What Happens after Certification."


The CDLP® Business Model: Beyond Transactions

As a Certified Divorce Lending Professional, you have two powerful ways to serve and succeed:

  • Traditional Origination: Continue offering expert mortgage solutions to divorcing homeowners, earning commission at closing.

  • Hybrid Business Model: Combine origination with fee-based consulting—positioning yourself earlier in the process, increasing your value, and expanding your income.

What Is the CDLP® Hybrid Business Model?

This proprietary model, developed in consultation with industry-leading compliance attorneys, allows you to operate as a mortgage professional and an independent divorce finance strategist.

It’s more than compliant. It’s proven.

With the Hybrid Model, you can:

  • Get paid for your expertise up front, not just after a loan closes

  • Offer consulting services to attorneys, mediators, and financial professionals

  • Diversify income beyond volatile closing pipelines

  • Serve both clients and professionals with deeper, more strategic impact


The Value of Strategy Over Sales

Loan officers sell rates and terms. CDLP®s solve problems, and that starts long before a loan file is created.

With the Hybrid Model, you:

  • Build authority early in the divorce process

  • Become the go-to advisor among legal and financial professionals

  • Offer deliverables that guide property division and mortgage planning

  • Create a recession-resistant business rooted in trust, expertise, and results


Tools That Build Real Businesses

The Hybrid Model isn’t just an idea; it’s a fully supported platform that includes:

  • Strategic consulting frameworks and engagement agreements

  • Deliverables designed for attorneys and mediators

  • A referral development system tailored to the divorce industry

  • Ongoing coaching and compliance support from the Divorce Lending Association


Designed for Long-Term Growth and Credibility

CDLP®s using the Hybrid Model often experience:

  • Higher-quality referrals from legal professionals

  • More stable and diversified income

  • Faster credibility as subject matter experts

  • Clear differentiation in a saturated mortgage market


Start Earning What Your Expertise Is Worth

You didn’t get into this business to wait on closings; you came to make a difference.

The CDLP® Hybrid Business Model gives you the structure, tools, and support to build a business that reflects the true value of your knowledge.

If you're ready to go beyond loan origination and become the strategist attorneys trust, this is your next step.


Why Choose the CDLP® Certification?

If you’re ready to lead, not just lend, this is your next move.

The Certified Divorce Lending Professional® (CDLP®) certification isn’t just a mortgage course. It’s a strategic platform built for professionals who want to serve divorcing homeowners with clarity, confidence, and purpose.

Created by mortgage industry expert Jody Bruns, the CDLP® program equips you with the knowledge and tools to work at the intersection of divorce, real estate, and mortgage planning—where few are qualified, but many are needed.


What Makes CDLP® Different

Unlike general mortgage training, CDLP® goes far beyond guidelines and rates. You’ll learn how to:

  • Navigate the legal, financial, and tax dynamics of divorce

  • Structure mortgage solutions aligned with settlement terms

  • Address equity buyouts, income complexities, and property division

  • Support attorneys, financial professionals, and mediators with strategic clarity

This is applied, real-world training that positions you as a problem-solver, not a product pusher.


Trusted by the Professionals Who Matter Most

CDLP®s are recognized as neutral experts who:

  • Deliver strategic clarity in high-stakes situations.

  • Build trust with legal and financial professionals.

  • Receive quality referrals based on results, not rates.

  • Establish a respected niche in a growing market.


Certification That Comes with a Platform

When you become a CDLP®, you gain access to:

  • A nationwide network of like-minded professionals

  • Templates, tools, and case strategies you can use immediately

  • Ongoing education and group coaching

  • Business development guidance and marketing support


Make the Shift from Loan Officer to Divorce Strategy Expert

Divorcing clients don’t need another “divorce-friendly lender.”
They need a trained CDLP® who understands the whole financial picture and how to navigate it effectively.

Start your certification today and build a business that’s strategic, respected, and sustainable.

What You Will Learn with CDLP® Certification

The CDLP® Certification is not surface-level training. It’s an advanced, multidisciplinary education that prepares you to serve divorcing clients with strategic insight, legal fluency, and financial clarity.

You’ll gain the tools, language, and structure to collaborate confidently with attorneys, mediators, and financial advisors while guiding your clients through one of the most complex financial transitions of their lives.


Core Areas of Training

1. Divorce & Mortgage Planning Fundamentals

This foundational module explores divorce not as a purely emotional process, but as a legal and financial transaction. CDLP® candidates will examine the divorce timeline, methods of dissolution (litigation, mediation, collaboration), and how each impacts real property decisions. The course introduces the concept of treating divorce like a business where strategic timing, financial positioning, and documentation matter.

We also explore conflict resolution styles, communication across high-stakes dynamics, and the professional posture required to serve as a neutral expert witness or consultant within divorce proceedings. This module positions the CDLP® as a credible and informed advocate within the broader divorce team.

2. Legal Insights That Matter

In this module, you’ll develop a critical understanding of how divorce and real property law intersect with mortgage planning. You’ll gain the working knowledge needed to interpret court orders, settlement agreements, and title implications that directly impact your ability to structure financing solutions.

This module equips you to identify legal constraints early, address issues related to property ownership and title vesting, and communicate effectively with attorneys using accurate legal terminology. The focus isn’t just on lending guidelines; it’s on integrating your role into the legal framework of the divorce process.

This module empowers you to provide strategic, legally aligned guidance when real property is part of the marital estate, ensuring your mortgage solutions are both feasible and enforceable.

3. Financial & Tax Considerations

This module moves beyond theory and into real-world application. You’ll learn how to evaluate spousal and child support, retirement accounts, and property transfers through the dual lens of mortgage underwriting and tax implications, skills critical for building realistic, strategic solutions during and after divorce.

We explore the often-overlooked financial ripple effects of divorce, including how it impacts the deductibility of mortgage interest and how to assess the true after-tax cost of funds. You’ll gain a deep understanding of the mortgage planning implications tied to dividing retirement accounts through Qualified Domestic Relations Orders (QDROs), and how IRS codes and title transfer nuances can influence the overall financing strategy.

The module also examines the treatment of support income, such as alimony and child support, under mortgage lending guidelines, and how this differs from general cash flow evaluation in financial planning. Special attention is given to income from trusts and passive sources, which are frequently misunderstood when used for mortgage qualification during divorce.

Finally, you’ll analyze the real property tax consequences of divorce, including potential reassessment issues, capital gains considerations, and common tax traps that can derail otherwise sound settlements. This module ensures you can identify and navigate these complexities before they become costly problems for your clients.

4. Advanced Mortgage Strategies for Divorce

This capstone module integrates all components of divorce mortgage planning into a comprehensive strategy. You’ll learn how to effectively structure real-world solutions such as equity buyouts, QDRO-related distributions, income reclassification, and the untangling of complex ownership rights. These are not theoretical exercises; they are actionable strategies that protect both parties and support the intent of the divorce settlement.

The module explores how to assess and implement key disposition options, including refinancing, equity buyouts, loan assumptions, or property sales. You’ll also gain a working understanding of the Equal Credit Opportunity Act (ECOA), and how factors such as marital status, joint liability, and independent creditworthiness influence mortgage eligibility and loan approval outcomes.

Additionally, this module offers practical guidance on restructuring income sources to meet underwriting requirements, distributing marital debt equitably, and ensuring that all proposed mortgage solutions align with the legal settlement agreement. You’ll examine special considerations for FHA and VA loans, and delve into the unique planning needs of divorcing seniors, particularly regarding reverse mortgages, aging in place, and long-term home equity preservation.

The module concludes with in-depth training on the Divorce Mortgage Planning and Real Property Report™, a proprietary tool used to map case-specific housing and mortgage outcomes. You’ll learn how to leverage this report to provide clarity, strategic insight, and collaborative value to the divorce team, including attorneys, mediators, and clients.

5. Client Communication & Negotiation
Improve your ability to explain complex financial scenarios in clear, emotionally intelligent ways. You’ll learn how to guide high-conflict situations with compassion, authority, and neutrality, supporting informed decisions without escalating tensions.

6. Ethical & Professional Standards
As a CDLP®, you’re a neutral third-party expert, not a salesperson. Learn how to maintain ethical boundaries, uphold professionalism, and preserve the integrity of both the legal and financial process while still advocating for clarity.

7. Marketing & Business Development
Specialization doesn’t matter if no one knows what you do. We teach you how to position yourself in the legal and financial communities, build high-trust referral pipelines, and offer continuing education to family law professionals who need what you know.

8. Case Studies & Real-World Applications
Your training culminates with real divorce scenarios, case mapping exercises, and strategic implementation. This is where theory meets execution—so you’re prepared to deliver value the moment you're certified.

Choose Your Learning Path | Self-Paced or FastTrack Cohort

Learn Your Way

Choose the path that fits your schedule and learning style:

  • Self-Paced eLearning – Learn at your own speed with on-demand video modules and assessments

  • FastTrack Cohort – A one-week, guided program combining online study with live expert-led sessions

Each path includes full access to the CDLP® curriculum, certification exam, and ongoing support.


Option One: Self-Paced eLearning

Learn on your own time, at your own pace.

  • Includes 24 expert-led video modules, a student workbook, and assessments

  • Final exam: 100-question online multiple-choice exam

  • Average time to complete: 20 hours

  • Full access to email, chat, and phone support throughout your training

Ideal for busy professionals seeking flexibility and independence.


Option Two: FastTrack Cohort Program

Accelerate Your Certification with Expert-Guided Instruction—In Just One Week.

What You’ll Get Inside the FastTrack Cohort:

✅ Live Weekly Sessions with Real-Time Application
You won’t just learn, you’ll implement. Each session includes interactive case examples, discussion, and Q&A to bring the CDLP® curriculum to life.

✅ Peer Cohort for Support & Accountability
You’ll move through the course alongside a small group of like-minded mortgage professionals, all focused on mastering the legal-financial intersection of divorce.

✅ Accelerated Results—Without Skipping Strategy
This is not a shortcut. It’s a strategic sprint with the support you need to finish strong, show up confidently, and build the attorney-facing business you’ve been envisioning.

  • Combines self-paced video modules with live expert-led Zoom sessions

  • Dive into real-world scenarios with practical application and group discussion

  • Focuses on advanced topics like family law, tax planning, and real estate strategy

  • Live Weekly Sessions with Real-Time Application

    • Monday, Wednesday, Friday from 1:00 to 3:00 PM ET

  • Must complete the corresponding online modules before attending live sessions

    • Modules 1-3 by Monday
    • Modules 4-5 by Wednesday
    • Module 6 by Friday
    • Note: You can complete all modules in advance if you want!
  • Business-building strategies included

  • Access to the CDLP® Certification Exam after the final session

Ideal if you want structure and live engagement.

What Happens After Certification?

Certification is just the first step—implementation is where your business begins.

Once you’re certified, you step directly into the CDLP® Business Program: a structured platform that equips you to begin operating your divorce mortgage planning business immediately. You’re not left to figure it out on your own. You’ll gain access to:

  • Your Core Membership and business infrastructure

  • A complete suite of marketing and outreach assets

  • A CRM and directory listing that builds visibility

  • Presentations approved for CE, CLE, CME, and CJE

  • Weekly coaching and masterminds to support implementation

You’ll also gain access to the CDLP® Hybrid Business Model, a proprietary framework that empowers you to operate compliantly as both a strategic divorce consultant and a licensed mortgage originator. The consulting arm is fully managed by the Divorce Lending Association, allowing you to offer high-value services while we handle compliance, disclosures, engagement letters, and payment processing. CDLPs retain 95% of consulting revenue.

Ready to Go Further?

Unlock More Growth with the Platinum Upgrade

The Platinum Membership is designed for CDLP® professionals who want to accelerate their impact, deepen partnerships, and access advanced business opportunities.

Available to CDLPs post-certification, Platinum provides elevated support and high-level growth strategies inside the Divorce Mortgage Planning space.

What You Get with Platinum:

✔ Small Group Coaching (2x/month)
Focused support in a smaller, high-performance setting to strengthen your positioning, strategy, and execution.

✔ Specialized Business Development Projects
Trojan Horse marketing campaigns and partnership-building frameworks to help you open new doors and gain traction with attorneys and financial professionals.

✔ Consumer & Strategic Partner Leads
When available, Platinum members receive exclusive access to referrals and vetted lead opportunities.

✔ Advanced Presentations & Special Events
Gain access to high-level marketing projects, speaking engagements, and collaboration opportunities aligned with your goals.

Platinum Is for You If:

  • You want to deepen your presence with high-level partnerships and advanced positioning

  • You’re ready to leverage Trojan Horse strategies to open more doors with family law professionals

  • You’re focused on accelerating business growth through targeted projects, coaching, and lead opportunities

What’s Included in Your CDLP® Business Program with Core Membership

✔ Full CDLP® Certification
Become a Certified Divorce Lending Professional® trained in the legal, financial, and real property dynamics of divorce. This comprehensive certification prepares you to deliver strategic insight during property division, support settlement negotiations, and collaborate effectively with attorneys, mediators, and financial professionals.

✔ Core Membership & Business Infrastructure
Your first month of Core Membership is included ($279/month thereafter). Includes: Weekly Coaching, CRM integration, branded newsletters, presentations approved for CE, CLE, CME, and CJE credit, automated social media, professional directory listing, and a vault of high-converting marketing assets and more!

✔ CDLP® Hybrid Business Model
Operate as both a strategic consultant and mortgage originator. The Divorce Lending Association fully manages all consultation requests, engagement letters, disclosures, and payment processing, allowing you to focus on client strategy while maintaining compliance. CDLPs retain 95% of all consulting revenue.

✔ Done-for-You Assets & Professional Outreach Resources
Access presentations, case studies, professional communication templates, and strategic materials designed to support meaningful collaboration with family law professionals.

✔ Live Coaching & Peer Masterminds
Participate in weekly coaching sessions, expert discussions, and community collaboration to elevate your expertise and expand your market reach.

✔ Path to Advanced Support — Platinum Upgrade Available
For those ready to take their business to the next level, the Platinum Membership offers small group coaching, lead opportunities, and specialized business development strategies. Upgrade available post-certification. (See more under "What Happens after Certification."


The CDLP® Business Model: Beyond Transactions

As a Certified Divorce Lending Professional, you have two powerful ways to serve and succeed:

  • Traditional Origination: Continue offering expert mortgage solutions to divorcing homeowners, earning commission at closing.

  • Hybrid Business Model: Combine origination with fee-based consulting—positioning yourself earlier in the process, increasing your value, and expanding your income.

What Is the CDLP® Hybrid Business Model?

This proprietary model, developed in consultation with industry-leading compliance attorneys, allows you to operate as a mortgage professional and an independent divorce finance strategist.

It’s more than compliant. It’s proven.

With the Hybrid Model, you can:

  • Get paid for your expertise up front, not just after a loan closes

  • Offer consulting services to attorneys, mediators, and financial professionals

  • Diversify income beyond volatile closing pipelines

  • Serve both clients and professionals with deeper, more strategic impact


The Value of Strategy Over Sales

Loan officers sell rates and terms. CDLP®s solve problems, and that starts long before a loan file is created.

With the Hybrid Model, you:

  • Build authority early in the divorce process

  • Become the go-to advisor among legal and financial professionals

  • Offer deliverables that guide property division and mortgage planning

  • Create a recession-resistant business rooted in trust, expertise, and results


Tools That Build Real Businesses

The Hybrid Model isn’t just an idea; it’s a fully supported platform that includes:

  • Strategic consulting frameworks and engagement agreements

  • Deliverables designed for attorneys and mediators

  • A referral development system tailored to the divorce industry

  • Ongoing coaching and compliance support from the Divorce Lending Association


Designed for Long-Term Growth and Credibility

CDLP®s using the Hybrid Model often experience:

  • Higher-quality referrals from legal professionals

  • More stable and diversified income

  • Faster credibility as subject matter experts

  • Clear differentiation in a saturated mortgage market


Start Earning What Your Expertise Is Worth

You didn’t get into this business to wait on closings; you came to make a difference.

The CDLP® Hybrid Business Model gives you the structure, tools, and support to build a business that reflects the true value of your knowledge.

If you're ready to go beyond loan origination and become the strategist attorneys trust, this is your next step.


Why Choose the CDLP® Certification?

If you’re ready to lead, not just lend, this is your next move.

The Certified Divorce Lending Professional® (CDLP®) certification isn’t just a mortgage course. It’s a strategic platform built for professionals who want to serve divorcing homeowners with clarity, confidence, and purpose.

Created by mortgage industry expert Jody Bruns, the CDLP® program equips you with the knowledge and tools to work at the intersection of divorce, real estate, and mortgage planning—where few are qualified, but many are needed.


What Makes CDLP® Different

Unlike general mortgage training, CDLP® goes far beyond guidelines and rates. You’ll learn how to:

  • Navigate the legal, financial, and tax dynamics of divorce

  • Structure mortgage solutions aligned with settlement terms

  • Address equity buyouts, income complexities, and property division

  • Support attorneys, financial professionals, and mediators with strategic clarity

This is applied, real-world training that positions you as a problem-solver, not a product pusher.


Trusted by the Professionals Who Matter Most

CDLP®s are recognized as neutral experts who:

  • Deliver strategic clarity in high-stakes situations.

  • Build trust with legal and financial professionals.

  • Receive quality referrals based on results, not rates.

  • Establish a respected niche in a growing market.


Certification That Comes with a Platform

When you become a CDLP®, you gain access to:

  • A nationwide network of like-minded professionals

  • Templates, tools, and case strategies you can use immediately

  • Ongoing education and group coaching

  • Business development guidance and marketing support


Make the Shift from Loan Officer to Divorce Strategy Expert

Divorcing clients don’t need another “divorce-friendly lender.”
They need a trained CDLP® who understands the whole financial picture and how to navigate it effectively.

Start your certification today and build a business that’s strategic, respected, and sustainable.

What You Will Learn with CDLP® Certification

The CDLP® Certification is not surface-level training. It’s an advanced, multidisciplinary education that prepares you to serve divorcing clients with strategic insight, legal fluency, and financial clarity.

You’ll gain the tools, language, and structure to collaborate confidently with attorneys, mediators, and financial advisors while guiding your clients through one of the most complex financial transitions of their lives.


Core Areas of Training

1. Divorce & Mortgage Planning Fundamentals

This foundational module explores divorce not as a purely emotional process, but as a legal and financial transaction. CDLP® candidates will examine the divorce timeline, methods of dissolution (litigation, mediation, collaboration), and how each impacts real property decisions. The course introduces the concept of treating divorce like a business where strategic timing, financial positioning, and documentation matter.

We also explore conflict resolution styles, communication across high-stakes dynamics, and the professional posture required to serve as a neutral expert witness or consultant within divorce proceedings. This module positions the CDLP® as a credible and informed advocate within the broader divorce team.

2. Legal Insights That Matter

In this module, you’ll develop a critical understanding of how divorce and real property law intersect with mortgage planning. You’ll gain the working knowledge needed to interpret court orders, settlement agreements, and title implications that directly impact your ability to structure financing solutions.

This module equips you to identify legal constraints early, address issues related to property ownership and title vesting, and communicate effectively with attorneys using accurate legal terminology. The focus isn’t just on lending guidelines; it’s on integrating your role into the legal framework of the divorce process.

This module empowers you to provide strategic, legally aligned guidance when real property is part of the marital estate, ensuring your mortgage solutions are both feasible and enforceable.

3. Financial & Tax Considerations

This module moves beyond theory and into real-world application. You’ll learn how to evaluate spousal and child support, retirement accounts, and property transfers through the dual lens of mortgage underwriting and tax implications, skills critical for building realistic, strategic solutions during and after divorce.

We explore the often-overlooked financial ripple effects of divorce, including how it impacts the deductibility of mortgage interest and how to assess the true after-tax cost of funds. You’ll gain a deep understanding of the mortgage planning implications tied to dividing retirement accounts through Qualified Domestic Relations Orders (QDROs), and how IRS codes and title transfer nuances can influence the overall financing strategy.

The module also examines the treatment of support income, such as alimony and child support, under mortgage lending guidelines, and how this differs from general cash flow evaluation in financial planning. Special attention is given to income from trusts and passive sources, which are frequently misunderstood when used for mortgage qualification during divorce.

Finally, you’ll analyze the real property tax consequences of divorce, including potential reassessment issues, capital gains considerations, and common tax traps that can derail otherwise sound settlements. This module ensures you can identify and navigate these complexities before they become costly problems for your clients.

4. Advanced Mortgage Strategies for Divorce

This capstone module integrates all components of divorce mortgage planning into a comprehensive strategy. You’ll learn how to effectively structure real-world solutions such as equity buyouts, QDRO-related distributions, income reclassification, and the untangling of complex ownership rights. These are not theoretical exercises; they are actionable strategies that protect both parties and support the intent of the divorce settlement.

The module explores how to assess and implement key disposition options, including refinancing, equity buyouts, loan assumptions, or property sales. You’ll also gain a working understanding of the Equal Credit Opportunity Act (ECOA), and how factors such as marital status, joint liability, and independent creditworthiness influence mortgage eligibility and loan approval outcomes.

Additionally, this module offers practical guidance on restructuring income sources to meet underwriting requirements, distributing marital debt equitably, and ensuring that all proposed mortgage solutions align with the legal settlement agreement. You’ll examine special considerations for FHA and VA loans, and delve into the unique planning needs of divorcing seniors, particularly regarding reverse mortgages, aging in place, and long-term home equity preservation.

The module concludes with in-depth training on the Divorce Mortgage Planning and Real Property Report™, a proprietary tool used to map case-specific housing and mortgage outcomes. You’ll learn how to leverage this report to provide clarity, strategic insight, and collaborative value to the divorce team, including attorneys, mediators, and clients.

5. Client Communication & Negotiation
Improve your ability to explain complex financial scenarios in clear, emotionally intelligent ways. You’ll learn how to guide high-conflict situations with compassion, authority, and neutrality, supporting informed decisions without escalating tensions.

6. Ethical & Professional Standards
As a CDLP®, you’re a neutral third-party expert, not a salesperson. Learn how to maintain ethical boundaries, uphold professionalism, and preserve the integrity of both the legal and financial process while still advocating for clarity.

7. Marketing & Business Development
Specialization doesn’t matter if no one knows what you do. We teach you how to position yourself in the legal and financial communities, build high-trust referral pipelines, and offer continuing education to family law professionals who need what you know.

8. Case Studies & Real-World Applications
Your training culminates with real divorce scenarios, case mapping exercises, and strategic implementation. This is where theory meets execution—so you’re prepared to deliver value the moment you're certified.

Choose Your Learning Path | Self-Paced or FastTrack Cohort

Learn Your Way

Choose the path that fits your schedule and learning style:

  • Self-Paced eLearning – Learn at your own speed with on-demand video modules and assessments

  • FastTrack Cohort – A one-week, guided program combining online study with live expert-led sessions

Each path includes full access to the CDLP® curriculum, certification exam, and ongoing support.


Option One: Self-Paced eLearning

Learn on your own time, at your own pace.

  • Includes 24 expert-led video modules, a student workbook, and assessments

  • Final exam: 100-question online multiple-choice exam

  • Average time to complete: 20 hours

  • Full access to email, chat, and phone support throughout your training

Ideal for busy professionals seeking flexibility and independence.


Option Two: FastTrack Cohort Program

Accelerate Your Certification with Expert-Guided Instruction—In Just One Week.

What You’ll Get Inside the FastTrack Cohort:

✅ Live Weekly Sessions with Real-Time Application
You won’t just learn, you’ll implement. Each session includes interactive case examples, discussion, and Q&A to bring the CDLP® curriculum to life.

✅ Peer Cohort for Support & Accountability
You’ll move through the course alongside a small group of like-minded mortgage professionals, all focused on mastering the legal-financial intersection of divorce.

✅ Accelerated Results—Without Skipping Strategy
This is not a shortcut. It’s a strategic sprint with the support you need to finish strong, show up confidently, and build the attorney-facing business you’ve been envisioning.

  • Combines self-paced video modules with live expert-led Zoom sessions

  • Dive into real-world scenarios with practical application and group discussion

  • Focuses on advanced topics like family law, tax planning, and real estate strategy

  • Live Weekly Sessions with Real-Time Application

    • Monday, Wednesday, Friday from 1:00 to 3:00 PM ET

  • Must complete the corresponding online modules before attending live sessions

    • Modules 1-3 by Monday
    • Modules 4-5 by Wednesday
    • Module 6 by Friday
    • Note: You can complete all modules in advance if you want!
  • Business-building strategies included

  • Access to the CDLP® Certification Exam after the final session

Ideal if you want structure and live engagement.

What Happens After Certification?

Certification is just the first step—implementation is where your business begins.

Once you’re certified, you step directly into the CDLP® Business Program: a structured platform that equips you to begin operating your divorce mortgage planning business immediately. You’re not left to figure it out on your own. You’ll gain access to:

  • Your Core Membership and business infrastructure

  • A complete suite of marketing and outreach assets

  • A CRM and directory listing that builds visibility

  • Presentations approved for CE, CLE, CME, and CJE

  • Weekly coaching and masterminds to support implementation

You’ll also gain access to the CDLP® Hybrid Business Model, a proprietary framework that empowers you to operate compliantly as both a strategic divorce consultant and a licensed mortgage originator. The consulting arm is fully managed by the Divorce Lending Association, allowing you to offer high-value services while we handle compliance, disclosures, engagement letters, and payment processing. CDLPs retain 95% of consulting revenue.

Ready to Go Further?

Unlock More Growth with the Platinum Upgrade

The Platinum Membership is designed for CDLP® professionals who want to accelerate their impact, deepen partnerships, and access advanced business opportunities.

Available to CDLPs post-certification, Platinum provides elevated support and high-level growth strategies inside the Divorce Mortgage Planning space.

What You Get with Platinum:

✔ Small Group Coaching (2x/month)
Focused support in a smaller, high-performance setting to strengthen your positioning, strategy, and execution.

✔ Specialized Business Development Projects
Trojan Horse marketing campaigns and partnership-building frameworks to help you open new doors and gain traction with attorneys and financial professionals.

✔ Consumer & Strategic Partner Leads
When available, Platinum members receive exclusive access to referrals and vetted lead opportunities.

✔ Advanced Presentations & Special Events
Gain access to high-level marketing projects, speaking engagements, and collaboration opportunities aligned with your goals.

Platinum Is for You If:

  • You want to deepen your presence with high-level partnerships and advanced positioning

  • You’re ready to leverage Trojan Horse strategies to open more doors with family law professionals

  • You’re focused on accelerating business growth through targeted projects, coaching, and lead opportunities

CLDP Certification Seal

Get CDLP® Certified Today!

Elevate your career with the Certified Divorce Lending Professional (CDLP®) certification. Achieve next-level professionalism while unlocking new business and income opportunities in divorce mortgage planning.

Register Today
Being affiliated with the Divorce Lending Association helps solidify my reputation in the market with quality divorce specific education, resources, and community engagement, as well as the ability to educate local attorney and financial planning partners with state approved continuing legal education. I couldn’t be more delighted! Photo of Testimonial Provider Audra McMahon, CDLP® - Kansas City
The Divorce Lending Association’s Certified Divorce Lending certification course is an absolute game-changer. Not only does it provide comprehensive education, but the continued support from Jody, Lynn, and the entire Divorce Lending Association community is truly unparalleled. The professional marketing materials are top-notch, making it easy to stand out and confidently communicate your value to attorneys and their clients. My only regret is that I didn’t do this sooner! If you're serious about specializing in divorce mortgage planning, don’t wait another day. This course gives you the knowledge and confidence to truly make a difference. Photo of Testimonial Provider Wendy Thompson, CDLP® - Tennessee
I have been a CDLP for about 2 years, one of the best educational programs in the mortgage industry. I always look for different niches in the industry to set myself apart. Since most of my marketing over my career has been to Financial Advisors, CPA’s and Attorneys the CDLP certification was perfect. I now leverage that education and certification to bring a new level of expertise to my referral partners. This has made a difference in my referrals. Now as I am working with divorcing clients, I am able to show their attorneys how I can be an asset to their practice. I highly recommend the CDLP certification. Photo of Testimonial Provider Ken Venick - Maryland
I first connected with Jody and the Divorce Lending Association in 2014 after encountering several divorce-related mortgage files. Unfortunately, I found myself unable to assist at the time due to settlement agreements that didn’t align with the necessary mortgage guidelines. Over the years, I have found immense fulfillment in helping clients navigate the complexities of divorce settlements. Piecing together the divorce puzzle, especially when we can achieve a positive outcome for all parties involved, has been incredibly rewarding. Through my journey, I've come to understand that mastering the nuanced guidelines of Divorce Mortgage Planning takes time and patience. The advanced concepts and support that Jody and Team DLA provide are truly exceptional and set us apart from standard lenders. I am deeply grateful for their expertise, dedication, and the invaluable support they offer. #GratefulCDLPer Photo of Testimonial Provider Dave Kaufman - Oregon
The Divorce Lending Association and CDLP® program has really opened doors of partnerships with not only divorce professionals like family law attorneys, but estate and elder law attorneys. Being a CDLP® has also given me the opportunity to deepen my relationship with real estate agents and financial advisors. Given the opportunity to explain how we help navigate marital settlement agreements and mortgage planning creates an admiration that I am not just another lender. As we say at the DLA, “Just because it’s a legal option, doesn’t mean it’s a lending option. Photo of Testimonial Provider Leslie Kight - Southern California
The best part about the CDLP® is that the training, coaching, development and tools are on going and ever evolving. You do not just get certified and then have to figure it out on your own. The Divorce Lending Association continues to give the entire time. They also provide a level of support that is unmatched in any program I have ever experienced. Click to continue reading... Photo of Testimonial Provider Emile Flowers - Illinois
Whether you are looking to get your CDLP® just to have a better understanding of the divorce lending world or if you are looking to shift your business and niche down, you cannot go wrong. This is by far the most rewarding and valuable mortgage education I have done since entering the mortgage business over 26 years ago! Click to continue reading... Photo of Testimonial Provider Karla Kyte - Colorado
My friendly advice to any Mortgage Loan Originator interested in pursuing the divorce lending specialization is to seek proper training BEFORE approaching Divorce Attorneys for partnerships. In my humble opinion, the Certified Divorce Lending Professional program facilitated through the Divorce Lending Association is by far the most thorough and comprehensive divorce education available for mortgage originators. Click to continue reading... Photo of Testimonial Provider Jason Gordon - California
The DLA has literally changed the trajectory of both my professional and my personal life, and I can say unequivocally that earning the CDLP® designation is the “gold standard" in Divorce Mortgage Planning. The coaching program is fantastic and highly recommended to hone your skills and increase your knowledge in the family law space. Click to read more... Photo of Testimonial Provider Don Moll - Florida
Obtaining my CDLP®️ has been the perfect “marriage” of my Mortgage career and Masters in Psychology. Gaining this knowledge about divorce mortgage planning has truly differentiated me from other Loan Officers and have given me a platform to truly help and empower my clients and to bring something of value to my referral partners. Click to continue reading... Photo of Testimonial Provider Marcia Zigler - California

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