Divorce Equity Solutions

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Divorce Equity Solutions At Divorce Equity Solutions, we guide divorcing homeowners with compassion and clarity, helping you protect your home, your equity, and your future.

At Divorce Equity Solutions, we help divorcing homeowners protect their biggest asset—their home equity. As Certified Divorce Lending Professionals (CDLP™), our team bridges the gap between family law, real estate, and mortgage finance to ensure your divorce settlement is structured for long-term financial success. Many divorcing couples face the question: What happens to the house? Whether you are refinancing the marital home in an Equity Buy-Out or preparing to purchase a new home after divorce, we provide clarity, strategy, and expert guidance every step of the way.

💡 What we do:

Explain the difference between a Rate/Term Equity Buy-Out refinance (often lower rates & more equity access) vs. a Cash-Out refinance (higher rates & equity limits). Review your divorce settlement agreement to ensure it supports your mortgage financing goals. Identify issues that could prevent you from refinancing, such as title seasoning, settlement wording, or equity access limits. Collaborate with your attorney, mediator, or financial advisor to create a divorce mortgage strategy that works for your future.

📌 Why work with a CDLP™? Most attorneys and mediators aren’t trained in mortgage guidelines. That’s where we come in. A CDLP™ offers a unique perspective and helps divorcing homeowners avoid costly mistakes, delays, or even the inability to refinance. By including us on your divorce team, you’ll gain confidence, protect your financial future, and create a sustainable housing plan post-divorce.

📲 Contact Our Team Today

Shelley Mitchell, CDLP™ – NMLS #108865
Text: 281-505-4500

Matt Mitchell, CDLP™ – NMLS #1904064
Text: 713-545-2004

🌐 Learn more: www.DivorceEquitySolutions.com | www.DivorceMyHome.com

10/15/2026

She kept the house. It cost her $400,000. 💅

Here's how the math actually works — and nobody shows you this at the kitchen table:

She fought for the $500,000 house in the divorce. Won it. Felt like a victory.

But she couldn't refinance it on one income. The payments were too high. Two years later? Foreclosure. All that equity — GONE. Two hundred thousand dollars of wealth, wiped out because she made the biggest financial decision of her divorce with her heart instead of a plan.

Now run it the other way: sell the house, split the equity, walk away with ~$200,000 to start over. New beginning. No anchor. No foreclosure on your record.

The house isn't the prize. The PLAN is the prize.

If you're divorcing and you own a home — call me BEFORE you decide. Not after. Before.

Shelley Mitchell, CDLP
📞 281-505-4500
🌐 www.DivorceEquitySolutions.com

10/14/2026

🎥 Thank you to Jason and Kari Lichman and the Lichman Group with Realty Capital City for having Matt and me in your Cedar Park office for this interview!

This is part 1 of our conversation about what we do at Divorce Equity Solutions — and why it matters so much.

When a homeowner is going through a divorce, the house is usually the biggest asset and the biggest landmine. Can you actually afford to keep it? Should you sell? Buy out your spouse? Get the plan wrong and it can cost you everything.

That's why we team up with real estate pros like the Lichman Group in Austin and the surrounding areas. When they have a client going through a divorce, they bring us in early — before anything is signed — so the house plan is done right and nobody gets blindsided.

More of these rolling out soon. Stay tuned — we are JUST getting started. 🔥

📞 281-505-4500


www.DivorceEquitySolutions.com

10/14/2026

When you're headed for divorce and feeling totally overwhelmed... 😮‍💨

But then you find my page and learn EXACTLY what happens to the house. 🏠

The house is the part that terrifies everyone — who keeps it, who pays for it, whether the bank will even let you. That's literally what I do.

I'm Shelley Mitchell, Certified Divorce Lending Professional. I do the mortgage planning so you don't lose the house to bad timing.

What's the scariest part of your divorce right now? Tell me below. 👇

📞 281-505-4500
🌐 www.DivorceEquitySolutions.com

10/14/2026

Don't think bo***ge is for you? 😏

Keep reading, because if you're getting divorced and both names are STILL on the mortgage… you're already tied up.

Tied to your ex. Tied to a payment you can't afford alone. Tied to a house holding your whole future hostage.

That's not a fresh start, babe. That's FINANCIAL BO***GE.

Here's what nobody tells you: your divorce can be final and you can STILL be financially married to your ex through that house. One missed payment on a joint mortgage and YOUR credit takes the hit too — decree or no decree.

A CDLP cuts those ties the RIGHT way — before the decree locks you in, not after.

Keeping the house? Selling it? Buying your ex out? Talk to me BEFORE mediation, not after the paperwork's signed. Timing is everything and I mean EVERYTHING.

📞 Office: 281-505-4500
💻 www.DivorceEquitySolutions.com

10/13/2026

Divorce buyout? Read this before you refinance. 👇

4 reasons to do an OWELTY LIEN instead of a cash-out refinance:

1️⃣ Cash-out = higher interest rate
2️⃣ Cash-out = higher fees
3️⃣ In Texas, cash-out is capped at 80% of your home's value — owelty can go up to 95%
4️⃣ Cash-out has stricter guidelines — harder to qualify

The wrong loan at the wrong time can cost you the house. Don't guess.

Comment OWELTY and I'll send you the breakdown. 👇

📞 281-505-4500
🌐 www.DivorceEquitySolutions.com

MY SURVIVAL STORY. 🖤I've been divorced TWICE. My parents divorced when I was 2. My whole life has been about survival — ...
10/12/2026

MY SURVIVAL STORY. 🖤

I've been divorced TWICE. My parents divorced when I was 2. My whole life has been about survival — and I'm still standing.

This is the real story. The alcoholic. The cheater. Walking away with nothing — twice. Losing my kids' dad when they were 13 and 15. Buying my own home when I didn't know how I'd survive.

If you're in the middle of your survival story right now — I've already lived yours. Follow me. I tell the truth about divorce, money, houses, and starting over. No sugarcoating.

Shelley Mitchell, CDLP
📞 Office 281-505-4500
🌐 www.DivorceEquitySolutions.com

Share this with a woman who's surviving something right now. She needs to know she's not alone. 🖤

Oops… you agreed to sell the house in mediation. Now you want to keep it. 🏡😬Didn’t call DES before mediation? Let’s talk...
10/06/2026

Oops… you agreed to sell the house in mediation. Now you want to keep it. 🏡😬

Didn’t call DES before mediation? Let’s talk about what may still be possible.

I’ve helped several homeowners lately explore a spouse buyout after initially agreeing to sell. If you qualify for the financing and your spouse agrees, keeping the home may still be an option. 🩷

Your existing agreement doesn’t change automatically—any changes need to be properly documented.

Matt and I can help you understand the buyout, the mortgage payment and whether the numbers work for YOU.

Before you list, explore your options!

Shelley & Matt Mitchell, CDLP
Certified Divorce Lending Professionals
Divorce Equity Solutions

📲 Call/Text: 281-505-4500
🌐 DivorceEquitySolutions.com

Know someone facing this decision? Send this to them privately. Follow DES for real conversations about divorce and the house.

We do not provide legal or tax advice.

You fought to keep the house… but can you afford to keep it? 🏡💔I see it too often. Someone agrees to keep the home befor...
10/04/2026

You fought to keep the house… but can you afford to keep it? 🏡💔

I see it too often. Someone agrees to keep the home before knowing what the buyout, mortgage payment and life on one income will actually look like.

Before you sign, let’s talk:
✔️ Can you qualify for the financing you need?
✔️ How will you pay your spouse their share?
✔️ Will keeping the house leave room to live?

Matt and I help divorcing homeowners understand their options BEFORE the decisions are final.

Keep it. Sell it. Buy them out. Let’s figure out what works for YOUR next chapter. 🩷

Shelley & Matt Mitchell, CDLP
Certified Divorce Lending Professionals
Divorce Equity Solutions

📲 Call/Text: 281-505-4500
🌐 DivorceEquitySolutions.com

Going through this—or know someone who is? Save this post or share it privately. You don’t have to tell your story in the comments to get help.

We do not provide legal or tax advice.

Let me tell you something nobody talks about.Most women plan their divorce for TWO YEARS before they ever file. Two year...
10/02/2026

Let me tell you something nobody talks about.

Most women plan their divorce for TWO YEARS before they ever file. Two years of quietly getting their ducks in a row while smiling at the dinner table.

I know. Because I did it.

You're not being sneaky. You're being smart. You're making sure that when you finally hit the reset button, you're financially okay — that you can take care of yourself without begging anyone for anything.

That's not cold. That's a woman who learned the hard way that hope is not a financial plan.

If you're in that quiet planning stage right now — I see you. Follow me. I talk about the stuff your attorney won't tell you, especially where the house is concerned. 🖤

Thinking about divorce? Talk to a CDLP BEFORE you file. It changes everything.

Divorce Equity Solutions
www.DivorceEquitySolutions.com
📞 281-505-4500 | 📱 504-554-1554

🏠 Also a mortgage lender — www.HomeLoansOfTexas.com

Keeping the house may be part of the divorce settlement. But can the mortgage plan actually support it?That’s a question...
09/29/2026

Keeping the house may be part of the divorce settlement. But can the mortgage plan actually support it?

That’s a question that should be answered before the settlement is finalized.

There are often more pieces involved than simply determining who gets the home:

• Can one spouse qualify for the mortgage independently?
• How and when can support income be used for qualifying?
• Is the proposed equity buyout financially and mortgage-feasible?
• Could the way the settlement is structured create a financing problem later?

This is why mortgage planning belongs at the beginning of the divorce process, not at the end.

As a Certified Divorce Lending Professional (CDLP®), I work alongside divorce professionals and their clients to evaluate the mortgage implications of the marital home before decisions become final.

The goal is to identify potential obstacles early, provide clarity around available mortgage options, and help the professional team make informed decisions with the financing piece in view.

If you’re an attorney, mediator, financial professional, or real estate professional working with a divorcing client where the home is part of the conversation, reach out to me. I’m happy to be a resource and help you evaluate the mortgage side of the scenario.

Address

Montgomery, TX
77356

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+17135452004

Website

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