General 2 — CindyHallas.com

The Divorce Mortgage Specialist

Hi, my name is Cindy Hallas and I am a full time Loan Officer. I am a Divorce Mortgage Specialist. This takes specific knowledge and experience to facilitate and navigate clients who are experiencing Divorce.

Divorce can be sensitive issues. Adding a mortgage on top of that can make the process seem even more stressful. I can help them decide which is best for them.

Stay in the home
a. Will one party stay in home, do they need to refinance to remove former spouse, or even payout the half of equity

2. Move to a new home

a. If homeowners sell, I can connect with a real estate professional. Help them get pre-approved for their next mortgage.

Working with me is faster than waiting for your client to find a lender, real estate and more. Getting divorces can be complicated, handling their mortgage should be easy. I am here to facilitate a stress-free transaction and make everyone’s experience easier.

We handle these transactions with special care and compassion to help our clients get through the divorce process while introducing the clients to resources they need to help get through the process with as little stress as possible in addition to protecting what they need. Some have kids involved, need to protect their custody. Some may have a business to protect. Others may have tax returns they do not want to be part of as ex-spouse may be self-employed and no longer want the liability of the business. We help them protect what they need and guide them to all resources upfront. We may need an attorney, an accountant, an appraiser, a financial advisor, a credit counseling company, a BK attorney, homeowner's insurance agent, and much more. We cover why you want us in your corner going up against some of the most difficult time of life. Being educated and prepared will help you protect you and your family.

We want to guide you through this while protecting you.

Divorce can be very simple, smooth and easy, if both parties agree. However, in the majority of the cases, the two parties are not in agreement and often times, need guidance to get through this process. This is a very serious process and knowing how to navigate clients through this emotional, financial and traumatic time in their lives is critical in hiring the right people. As a licensed Mortgage Loan Officer, I process the mortgage. However, when dealing with divorce, there is much more than the mortgage that needs to be considered and dealt with. Most of this must be done before trying to process the mortgage.

Is the home owned by both parties or only one? How is title vested? What are the rights to the individuals to a property and can an attorney change this? Depending on the situation, an attorney can change nothing or everything. Some will not need an attorney, believe or not. But others will need an attorney in order to communicate and get the process started. I always say, with a great attorney, everything is possible. However, there are divorces that happen regularly with no attorneys. But what is right for each person is entirely up to that individual.

I come in to help clients who are experiencing divorce and assist in navigating through this process from start to finish. Using and connecting with resources that will be needed to start the process, all the way through court order divorce decree, signed off by the judge. Often, we need more than just an attorney.

With some divorces, children are in the middle of it as well. Adults going through this change, can forget about the children and the impact divorce has. I have had some children actually tell their parents to get divorced so everyone can be happier. While others, children are devastated by parents divorcing. There is no one situation that will fit all. Every family dynamic is different and it’s my job to identify as quickly as possible what the needs are and connect them with the resources and assist in getting them through this process.

What is needed when going through a divorce? This depends on what you have and what you want to protect, keep, give away, etc.

Of course, I do come in as the Loan Officer if there is a home and somehow the home needs change in financing or the parties decide to split, sell the home, then one or both decide to try to purchase another home. I will work on the financing to secure qualification. This can be part of the process in determining if the house can be saved or must be sold.

We work with other partners such as REALTORS®, Credit Management, Attorneys, Financial Advisors, Appraisers, Title and Escrow, Homeowners insurance, Bankruptcy Attorneys, Divorce Attorneys, Certified Public Accountants, Marriage Counselors, Home Inspectors, and many more to get through the entire process.

Cindy Hallas

Branch Manager

Mortgage Loan Officer | NMLS 334571

Altitude Home Loans | NMLS 1955555

4550 E Bell Rd Suite 163 Phoenix, AZ 85032

1886 N Kolb Tucson, AZ 85715

Mobile: 602.793.9061

challas@altitudehomeloans.com | www.cindyhallas.com

Licensed Arizona, California, Florida, Illinois, Nevada, North Carolina, Pennsylvania, Tennessee, Texas and Washington state

Been in the mortgage business since June 1998

Cindy Hallas
Branch Manager
Mortgage Loan Officer | NMLS 334571
Altitude Home Loans | NMLS 1955555 | BK 1007669
4550 East Bell Road Suite 163 Phoenix, Arizona 85032
Mobile: 602.793.9061
challas@altitudehomeloans.com | www.cindyhallas.com

NMLS #334571

Altitude Home Loans is an Equal Housing Lender. Altitude Home Loans is not affiliated with any government agencies. This information is not from HUD or FHA and was not approved by the Department or Government Agency. This is not an offer to enter into an agreement. Information, rates, and programs are subject to change without prior notice. All products are subject to credit approval. Other restrictions and limitations may apply.

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