Theresa Springer, CDLP®

Divorce Mortgage Planning | Collaborative Divorce & Mediation Support | Financial Expert in Divorce Settlements

Theresa Springer is a Certified Divorce Lending Professional (CDLP®) who specializes in guiding divorcing individuals, attorneys, and mediators through the complex intersection of divorce, real estate, and mortgage financing. With a deep understanding of how property division, income structuring, and mortgage guidelines impact post-divorce homeownership, Theresa ensures that settlement agreements are strategically aligned with her clients’ financial and housing goals—before they are finalized.

A Collaborative Approach to Divorce & Homeownership

Divorce is not just a legal process—it’s a financial negotiation with long-term implications. As a trained mediator and collaboratively trained divorce mortgage planner, Theresa plays a vital role in helping divorcing individuals and their legal teams craft realistic, sustainable housing solutions. She works within the collaborative divorce framework, providing critical financial insights to ensure that property division supports both spouses' future homeownership plans.

How Theresa Supports Divorce Negotiations:

• Mediation & Collaborative Divorce: Providing financial clarity during settlement discussions, helping mediators, attorneys, and clients explore equitable housing solutions.

• Divorce Mortgage Planning Reports: A detailed analysis of income, assets, credit, and mortgage qualification to determine feasible homeownership outcomes.

• Pre-Divorce Mortgage Strategies: Guidance on structuring settlements to meet mortgage approval requirements, avoiding post-divorce financing challenges.

• Property Retention or Sale Analysis: Helping clients evaluate whether they should retain, refinance, or sell the marital home based on long-term affordability.

• Support for Attorneys & Mediators: Translating mortgage guidelines into practical settlement terms that prevent future financing roadblocks.

Financial Guidance for Complex Divorce Cases

While Theresa strongly advocates for collaborative divorce and mediation, she also recognizes that not all cases can be resolved outside of court. In situations where negotiations become more complex, she provides strategic financial guidance to ensure that real estate and mortgage considerations remain aligned with her clients’ long-term financial goals.

With extensive experience working with high-net-worth individuals, Theresa specializes in analyzing self-employed income structures, real estate portfolios, and complex asset division. Whether in mediation or more structured settlement discussions, she ensures that property and mortgage-related decisions are made with clarity and foresight.

Beyond Divorce: Strategic Financial Planning

Theresa ensures that divorcing clients leave the process with a solid financial strategy that supports their housing stability and future financial well-being. By being involved early in the divorce process, she helps prevent settlement pitfalls that could later hinder mortgage qualification or assumption approvals.

Background & Expertise

With over 30 years of mortgage and financial expertise, Theresa is highly skilled in mortgage tax analysis, self-employed income analysis, and real estate finance for divorce settlements. While she continues to serve as a mortgage loan officer, her Springer CDLP® practice is a fee-based consulting service focused on divorce mortgage planning, mediation support, and financial strategy in divorce settlements.

Work with Theresa

Whether you’re a divorcing individual, attorney, mediator, or financial professional, Theresa can help you navigate the financial side of divorce with clarity and confidence. Contact her today to schedule a consultation and ensure your divorce settlement supports long-term housing stability.