Real Estate & Mortgage Professionals
At Tidal Pointe Advisors, we partner with Certified Public Accountants (CPAs) to ensure clients navigating divorce receive comprehensive financial support. By combining a CPA’s expertise in tax compliance and reporting with our role as Certified Divorce Financial Analysts (CDFAs), clients gain the benefit of both immediate tax accuracy and long-term financial clarity.
It is estimated that approximately 732,000 home sales in the US each year are tied to divorce.
This number is based on an estimated 1.2 million divorces annually, of which around 61% result in the sale of the home.
While a significant volume of transactions, reports indicate this does not necessarily mean 15% of all home sales are divorce-related, but rather highlights the size of this specific market niche. The total number of existing and new home sales varies by year and market conditions.
Partnering with a CDFA makes sense...
A partnership with CDFAs gives real estate and mortgage professionals the financial clarity their clients need during housing transitions in divorce. With accurate projections and realistic affordability analysis, you can guide clients with confidence instead of guesswork. Working together keeps the process smoother, reduces emotional decision making, and helps clients avoid costly housing mistakes.
How CDFAs Help:
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Provide cash flow projections that show what housing options clients can truly afford.
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Clarify the financial impact of selling, refinancing, or buying out a spouse.
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Identify tax considerations tied to home sales, capital gains, and mortgage planning.
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Reduce client confusion so real estate and lending decisions move forward more efficiently.
Meet Sydney
THE REAL ESTATE PARTNERSHIP:
Sydney is a trusted real estate and mortgage professional who was helping a couple navigate the housing decisions tied to their divorce. Both spouses were emotional, unsure whether keeping or selling the home made sense, and unclear about how refinancing or qualifying for a new mortgage would work after the split. Sydney could guide them on the lending rules and market realities, but she needed clearer financial projections to help her clients avoid decisions that would strain them long term.
WHAT WE DID:
We partnered with Sydney to model the financial impact of each housing option, including selling the home, one spouse buying out the other, or refinancing under new income and debt conditions. We built cash flow projections that showed how each choice would affect affordability, reserves, taxes, and overall long term stability. We also created simple breakdowns Sydney could use to help her clients understand what was financially realistic before moving forward with a listing or loan application.
RESULT:
With solid financial clarity in place, Sydney’s clients could make housing decisions with confidence instead of fear. They understood exactly what they could afford, avoided unrealistic loan expectations, and chose a path that protected their long term stability. Sydney was able to guide them more effectively, reduce stress, and move the process forward smoothly.
TAKEAWAY:
When real estate and mortgage professionals partner with CDFAs, clients make smarter housing decisions, avoid costly missteps, and move through divorce with clarity and confidence.