As a Real Estate Collaboration Specialist – Divorce™, I help divorcing homeowners and their legal and financial teams make informed, confident decisions about housing and mortgage matters during one of life’s most challenging transitions.
Schedule a Free Divorce Mortgage Consultation Today👇
“I believe everyone should feel confident when buying or refinancing their home.”
With over 30 years of experience in mortgage lending and deep real estate expertise in Utah, I hold the RCS-D designation and was trained by Professor Kelly Murray, who has ties to Stanford and Harvard Law.
Who I help:
EXCELLENT Based on 13 reviews Jake WahlinTrustindex verifies that the original source of the review is Google. Victor Emmel has been amazing to work with. I will be recommending him to all of my friends and family. Thanks again Victor! Austin RobisonTrustindex verifies that the original source of the review is Google. Victor was great to work with answered all my questions and wad helpful every step of the way Lexi DTrustindex verifies that the original source of the review is Google. Victor is the best. Working with him was so easy! As a first-time homebuyer, there was a lot we didn't know coming into the process, but Victor always explained each option to us in an easy-to-understand way. I always felt as though he had our best interests in mind. He always responded to my communications in a timely manner, and was never frustrated or annoyed by my questions. He helped us close on our house in a little less than a month! I recommend him to anyone!! Makenzie PhippsTrustindex verifies that the original source of the review is Google. Victor is awesome, we have worked multiple transactions with him. He always is so helpful, answers any and all questions! He is wonderful and we would recommend him to anyone getting ready to buy a home. ☺️ Nusha NushaTrustindex verifies that the original source of the review is Google. We had very pleasant experience! Always quick responses, very clear explanations. Everything was done very fast and on time:) Joe MartinezTrustindex verifies that the original source of the review is Google. Victor was wonderful when it came to refinancing my home. He was very professional, kept me updated throughout the whole process and made it very easy during the whole refinance. I will recommend Victor to anyone looking to refinance their home in the future. 5 star service for sure. Dominique WareTrustindex verifies that the original source of the review is Google. Victor is one of the best loan officer's in the state of Utah! Laurie WardTrustindex verifies that the original source of the review is Google. I was trying to refinance my house through my own mortgage company for 4 months we tried to close twice but I would look at the disclosure and the numbers were wrong. They set up a third appointment and I saw they did not change anything on there but expected me to sign it anyway I told them no and I am not doing this again. I contacted Victor Emmel and let him know what happened and he said he could help me and we closed in 3 weeks! Amazing and the numbers were correct! I will continue to use him in the future and tell my family and friends. He is the best! Frank GomezTrustindex verifies that the original source of the review is Google. What an amazing and positive experience!!! It was so refreshing to work with a professional who knows what they are doing!! Going into this my wife and I had high anxiety of hoping we wouldn't get jerked around. Victor from the very beginning made us feel very comfortable and calm about the process. He explained everything to us in detail and not once got frustrated with us for asking the same questions over and over. In fact he said he understood and reassured us everything is moving forward as discussed. He was very knowledgeable and so personable!! When we finally signed the papers and closed, my wife cried in my arms and all I could think about was how awesome Victor was and the great job he did for us! He literally changed our lives for the better and I couldn't say enough good things about him. I highly recommend Victor for any mortgage needs you may have! 5 Stars all the way, thank you Victor!!!!!! Debbie AndrushkoTrustindex verifies that the original source of the review is Google. Victor was so helpful and knowledgeable and I had no worries during my lending process. I would highly recommend.
Divorce Mortgage Guidance™ ensures the marital home is addressed properly with enhanced house due diligence—not just guesswork. My TEAM and I uncover hidden risks, verify key documents, and help ensure any decisions about keeping or selling the home are well-informed and documented.
⚠️ Appraisals don’t tell the full story.
Many appraisals exclude condition and title clarity—two key elements that could jeopardize a client’s financial outcome.
The Mystery Mortgage: A secret 2nd mortgage wasn’t caught before settlement
The Hijacked HELOC: Home equity line accessed without full consent
The Surprise Payoff: Unclear payoff amounts led to post-divorce liability
✅ How We Help:
Our Enhanced House Due Diligence team includes a real estate attorney or title pro, an RCS-D™ Realtor, an insurance specialist, and a home inspector. Together, we help prevent, identify, and resolve hidden risks before they turn into legal nightmares.
For Attorneys & Mediators:
We help complete the case file with mortgage, title, insurance, and home condition insights. We also partner directly with your paralegal to simplify the process.
For Financial Professionals:
We assist in completing the marital balance sheet with verified mortgage guidance and home analysis.
For Divorcing Homeowners:
We help you understand if keeping the home is a wise, affordable choice—and how to do it if it is.
Whether you’re a legal or financial pro—or someone going through a divorce—we invite you to a no-pressure, no-cost consultation.
Just 15 minutes can uncover what an appraisal misses.