If You’re Divorcing and Own a Home, Read This First
Divorce disrupts everything, and housing is often the biggest financial and emotional decision on the table.
Should you keep the home? Sell it? Assume the mortgage? Qualify to buy something new?
These are not questions you should answer based on guesswork, or generic advice.
That’s where I come in.
Who I Am—and What I Actually Do
I’m Karla Kyte, a Certified Divorce Lending Professional (CDLP®) and seasoned mortgage strategist. With nearly three decades of experience and well over 1,000 loans closed just in the last 5 years, I now focus exclusively on helping divorcing clients make clear, confident housing decisions—before, during, and after the legal process.
I’m not “only a lender.” I’m a consultant.
This means I’m here to guide the strategy, not push a loan.
What You Get When You Retain Me
✅ 1. A Structured Intake and Strategic Plan
Before any path is recommended, we complete a comprehensive intake to understand your full financial landscape: income, assets, liabilities, legal terms, and more. Then we identify your housing options—not just what’s available, but what’s actually viable.
This is not a quick “yes or no.” It’s an expert analysis of how your divorce intersects with lending rules, qualification standards, and timing risks.
✅ 2. Pre-Decree Planning to Preserve Options
Many clients come to me too late. If you’re serious about keeping your home—or qualifying for anything post-decree—your strategy needs to start before the divorce is finalized. I help you and your legal team structure the right documentation, support, and timing to support long-term housing success.
✅ 3. Unbiased, Fact-Based Guidance
I’m paid for my consulting, not your loan. That means you’ll get honest advice about what’s best for you—even if that means assuming your existing loan, holding off on a transaction, or reworking your support strategy. You won’t get pressure or fluff. You’ll get the truth.
✅ 4. Expert Clarity on Assumptions and Qualifications
Yes, you can assume conventional loans in divorce, including Fannie Mae and Freddie Mac. But the rules are nuanced, and misinformation is rampant. I specialize in navigating assumption options (release of liability) and income structuring in a post-divorce scenario.
✅ 5. Calm, Strategic Support—Not Emotional Enablement
Divorce is emotional. But my job is to keep you focused on what’s next. I hold space without absorbing your pain. I’ll be clear, firm, and calmly directive—because that’s what this moment requires.
For Attorneys and Mediators
Your client’s ability to retain or secure housing isn’t a minor footnote, it’s a critical pillar of their financial future.
Most post-decree financing failures are preventable. When I’m brought in early, I help ensure settlement terms align with lending realities—and protect against financing gaps or rejected assumptions that could derail the entire agreement.
I also offer CLE presentations and consulting partnerships for firms who want to add this level of protection to their client experience.
Bottom Line: Clarity Now Prevents Crisis Later
- You don’t need to guess whether you can stay in your home.
- You don’t need to wait until the decree to find out if you might qualify.
- You don’t need to rely on a lender who doesn’t understand divorce.
You need clear, calm, expert guidance from someone who’s done this work with hundreds of clients—and knows exactly what’s at stake.
Book a Paid Consult
I charge for consultations because the insight you receive in that first session is valuable—often pivotal.
👉 Book you consultation now
👉 Read more about the CDLP® designation