Suzanne Söderberg, CDLP - Divorce Lending NMLS #501875 Benchmark Mortgage

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Suzanne Söderberg, CDLP - Divorce Lending NMLS #501875 Benchmark Mortgage Suzanne Söderberg
Specializes in the divorce lending field as a Certified Divorce Lending Professional (CDLP®).
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NMLS #501875
Benchmark Mortgage
Equal Housing Opportunity
Ark-La-Tex Financial Services LLC, NMLS #2143

This week reminded me why I love what I do. No details to share, but I had a client walk away from our first call saying...
10/16/2026

This week reminded me why I love what I do. No details to share, but I had a client walk away from our first call saying they finally felt like someone explained things in a way that made sense. That never gets old. Happy Friday everyone — hope your week ended on a high note too.

If you're thinking about divorce — or already in one — here's a question most people don't think to ask early enough:*Ca...
10/15/2026

If you're thinking about divorce — or already in one — here's a question most people don't think to ask early enough:

*Can I actually afford to keep the house on my own?*

Not "do I want to keep it." Not "can we negotiate that I get it." But, when the dust settles and I'm the only name on the mortgage — will the math actually work?

There's no shame in not knowing the answer. Most people don't, because mortgage qualification after divorce involves things you've never had to think about:

How long you've been receiving support payments. How a buyout affects your equity position. What debts get reassigned to you. What your income looks like *on paper* to a lender after the marriage ends.

A Certified Divorce Lending Professional (CDLP®) is specifically trained to walk you through all of it — in four phases, starting with a Discovery conversation that costs you nothing but might save you a lot of heartache later.

If you want clarity before you sign anything, reach out. It's what I'm here for.

Some weeks get away from you — and that’s just life. But one thing I’ve learned in 28 years of doing this is that the pe...
10/14/2026

Some weeks get away from you — and that’s just life. But one thing I’ve learned in 28 years of doing this is that the people who win in this business aren’t the ones who never miss a beat. They’re the ones who show back up. Whether you’re an agent, a buyer, or someone figuring out your next move — it’s never too late to get back on track. That’s true in real estate and honestly in most things. Hope your week is going strong. I’m here if you need anything.

10/14/2026

This time of year reminds us that letting go is part of every season.

As a Certified Divorce Lending Professional (CDLP®), I often see decisions about the home being made before anyone has looked at what they will mean for the mortgage.

If you are going through a divorce, you are letting go of a lot right now. That deserves patience. What comes next deserves a plan.

Before you sign the settlement, find out how its terms will affect your ability to keep the house, refinance, or buy your next home. Getting those answers early gives you the chance to make choices with clear information rather than finding out after the agreement is final.

If you or someone you know is facing these decisions, I would be glad to talk through your situation.

A friendly reminder for any agents working with buyers who seem hesitant right now — sometimes all it takes is an honest...
10/12/2026

A friendly reminder for any agents working with buyers who seem hesitant right now — sometimes all it takes is an honest conversation about their actual numbers. I've had more than a few buyers this year who were convinced they couldn't afford to move forward, and once we sat down together the picture looked completely different. Don't let discouragement pull a buyer out of the process before they've had that conversation.

This issue of Divorce Mortgage Insights takes on a question that comes up whenever one spouse keeps the house: who pays ...
10/06/2026

This issue of Divorce Mortgage Insights takes on a question that comes up whenever one spouse keeps the house: who pays for repairs on the marital home?

The article makes a practical point. The settlement agreement is usually signed months before the lender orders its appraisal. If that appraisal lists work the lender requires before closing, and the agreement never said who covers it, the refinance waits while the spouses negotiate after the fact.

It explains how known issues can be handled: an adjusted value, a credit against the buyout, completing the work before the transfer, or a written acknowledgment of condition. It also shows how an agreement can account for problems nobody has found yet, with a trigger, a cost source, a split, a cap, and a plan for the deadline.

If you are an attorney or mediator working on a settlement where the home is staying with one spouse, I am glad to talk through how the refinance side may affect the terms.

Read the full article: https://divorcebriefings.com/4yBlBTD

28 years ago I got into the mortgage business because I wanted to help people make one of the biggest decisions of their...
10/05/2026

28 years ago I got into the mortgage business because I wanted to help people make one of the biggest decisions of their lives. I had no idea it would also mean helping people through divorce, retirement, loss, and some of the hardest chapters imaginable. I wouldn't trade it for anything. If you're new here — I'm Suzanne Söderberg, CDLP®, a mortgage lender and Certified Divorce Lending Professional based in Scottsdale. I love complicated files, second chances, and clients other lenders gave up on.

This is where I see most divorce settlements go wrong.The terms are negotiated.The agreement is signed.And everyone assu...
10/03/2026

This is where I see most divorce settlements go wrong.

The terms are negotiated.
The agreement is signed.
And everyone assumes the outcome will work.

But no one verified whether it could.

In divorce, there’s a critical gap between what is agreed to and what is actually executable—especially when it comes to mortgage financing.

Refinancing timelines, income qualification, debt allocation, and title structure are often treated as future steps instead of being evaluated before the settlement is finalized.

And when those assumptions don’t hold?

The result is an agreement that looks solid on paper—but creates real challenges in ex*****on.

This article breaks down why hypotheticals often turn into unworkable outcomes—and what’s missing from the conversation: https://bit.ly/3RlyZKB

If it can’t be executed, it wasn’t a strategy—it was a hypothetical.

As a Certified Divorce Lending Professional (CDLP®), I evaluate the feasibility of settlement outcomes before they’re finalized—so the structure actually works in the real world.

If your divorce involves the marital home, the decisions made today must be based on lending facts—not assumptions.Many ...
10/01/2026

If your divorce involves the marital home, the decisions made today must be based on lending facts—not assumptions.
Many settlements outline terms that sound workable but cannot be completed under actual mortgage guidelines. This can prevent you from keeping the home, refinancing, or qualifying for a new property.

As a Certified Divorce Lending Professional (CDLP®), I help you understand:
✔️ Whether you can qualify to keep or refinance the home
✔️ How support or employment income must be structured
✔️ How debt division affects your mortgage approval
✔️ Whether a buyout is realistically affordable
✔️ What timelines lenders require for refinancing
✔️ What title changes lenders will and won’t allow

Your settlement should support your long-term housing goals—not limit them.
If you’re unsure what’s financially possible or what housing options you should consider, I’m here to help you make informed decisions.

Address

10446 N 74th Street, Suite 250
Scottsdale, AZ
85258

Telephone

+16022063439

Website

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