Mortgage Financing Strategies in Divorce & Dividing Stock Options, RSUs & Equity Compensation in Divorce

PART ONE: Mortgage Financing Strategies in Divorce

We will learn about some of the key mortgage considerations during divorce, characteristics of divorce specific lender guidelines, and loan approval strategies to help our clients obtain financing. Ross and Jason will provide guidance on topics such as:

Updates on new CA loan limits and products for 2017

What are the various options for the marital mortgage? What are the implications?

What does a lender consider a ‘qualified borrower’? How does support structuring impact loan qualification?

Various ways to maneuver around lender requirements

Creative strategies for drafting a settlement agreement to ensure successful financing

Alternatives to an MSA for financing prior to divorce settlement

What are some potential hidden landmines in a divorce mortgage scenario?  

PART TWO: Dividing Stock Options, RSUs & Equity Compensation in Divorce

Jason will offer practical recommendations covering topics such as:

Types of equity compensation and how they differ

Where to look for critical information

How does the non-employee spouse get his or her share?

What are the tax implications?

When does it make sense to consider a buyout?  What are they worth?

How to determine the community interest?

What your clients need to understand about their equity compensation holdings  

Are there any special issues for executives and corporate insiders?

Speakers:

Ross Garcia, CDLP is a Partner and Broker with PREI Capital Group, a mortgage brokerage originating select residential loans. He is also Founder of Divorce Mortgage Advisors, a divorce mortgage company dedicated to guiding clients through the loan approval process before, during, and after their divorce. Ross is a Certified Divorce Lending Professional as well as a member of the National Association of Mortgage Brokers. He graduated from the University of California, Santa Barbara with a B.A. in Business Economics.

Jason Crowley, CFA, CFP, CDFA is a founding partner at Divorce Capital Planning, LLC, which specializes in divorce financial planning and analysis for high-asset dissolutions. He is also co-founder of Divorce Mortgage Advisors and a member of Forbes Finance Council. Jason has the distinction of being one of the select few financial professionals who holds the Chartered Financial Analyst, Certified Financial Planner, and Certified Divorce Financial Analyst credentials.  Jason graduated summa cum laude from the University of California, Santa Barbara with a B.A in Business Economics and Accounting.