Your Not Alone:

Expert Divorce Mortgage Guidance

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👇

Mortgage Loan Purchase

Refinancing

Refinance Mortgage Loan

Equity Buy Out

Home Purchase

Home Equity Loans

About Victor Emmel, Mortgage Loan Advisor & RCS-D™

“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:

Real Estate Collaboration Specialist - Divorce

What Is Divorce Mortgage Guidance™?

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.

The 5 Essential Agenda Items (5-EAI™)

⚠️ 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.

Real Stories, Real Risks: What Can Go Wrong

  • 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.

Who Benefits From Our Services?

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.

Schedule a Free 15-Minute Case Review

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.