Are your family law clients struggling through mortgage related issues?
Refer your clients to the Separation Mortgage Expert, John Panagakos.
Navigating complex financial realities with ease
As a Separation Mortgage Expert, John specializes in helping people overcome the obstacles they will encounter and will make this process as seamless as possible.
A collaborative approach with financial expertise
John is collaboratively trained and solution focused while maintaining a high level of client care. He’s the perfect mortgage professional to work with if you’re using the collaborative law process, mediation process or the litigation route.
Ensuring clients always get the best rates
We have created proprietary software that tracks clients’ mortgages and will instantly notify them if another lender/bank is offering a savings opportunity. Your clients will enjoy the peace of mind of knowing they’re not overpaying for a mortgage.
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Best of all, there’s rarely a fee!
Despite being a uniquely certified expert in this niche field, we rarely need to charge directly. Rather, we receive compensation through the banks and lenders when your financing goes through, just like a typical broker, in most cases.
What People Are Saying
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“I was grateful that I was referred to John. He helped me navigate hard decisions during a hard time and provided insight to a subject matter that can be very confusing.”
— Kay G.
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“John finds creative ways to get clients the financing best suited to their needs and situation, and will regularly find a solution which others couldn't seem to find.”
— Scott B.
Let's Get Started
If you’ve landed here as a professional with divorce or separation clients, or if you are navigating the frustrating barriers presented with financing during your own separation or divorce, please don’t hesitate to get in touch today.
There are no fees for using our services, in most cases, so let us know how we can help you.
FAQs
Do you handle ‘typical’ mortgages for the rest of us?
Absolutely! We help everyone get mortgage financing for all of their real estate needs. Divorce and separation mortgages is just a specialty we excel at on the side of our regular practice.
What are the main benefits of working with me?
Enjoy strategy calls with us, discussing how your clients can qualify for a mortgage during a separation or divorce.
Discover how clients can qualify for a mortgage without a signed agreement.
If a signed agreement exists, we can identify the best banks to proceed with.
We’re creative in providing positive cash flow opportunities for clients.
We’re easy to reach and approachable, often answering the phone or quick to call back!
When should I refer a client to John?
As early as possible is best so we can get to know the client and identify potential opportunities and pitfalls before it’s too late like proactively helping with credit repair or providing input on support payments, etc.
Do clients need to meet any criteria?
The only criteria is that there needs to be a property of some sort. Typically in a separation, there is the matrimonial home and:
Someone is trying to keep the home.
They will try and buy another home.
Some separations involve investment properties which is another reason why an expert broker is required.
Helpful Q’s to Consider
Once your separation agreement has been finalized, you’ll need to know whether you plan to buy a new property, or stay in the home you formerly owned with your partner.
In the event of a new purchase, consider:
Will you be keeping or selling the existing family residence?
What can you afford relative to your current financial situation?
Will one of you be remaining on title to the former family residence (should either of you keep the existing residence)?
How will you secure a down payment for the new property?
If you are staying in the former family residence and need to refinance:
Can the equity in the property be used to consolidate joint debts?
Will one party be paying a portion of any equity to the other party?
Helpful Solutions . . .
A traditional refinance would limit the access to the equity in a property to 80% of its value. John has the ability to work with you and free up to 95% of the equity in your home, all while maintaining best rates.
Refinance a home and increase the amortization to 35 years, allowing a single income earner to have increased affordability and cash flow
Clients can deduct support payments from income which provides an outstanding application
Equity and non-income financing available