Mrs. Emile Flowers
Mrs. Emile Flowers
Missouri St. Louis County Real Estate Real Estate - Mortgage Lender Real Estate - Collaboration Specialist - Divorce (RCS-D)
As a Certified Divorce Lending Professional, CDLP, I focus my practice on helping divorcing homeowners make a more informed decision regarding their home equity solutions and the divorce team identify any potential conflicts between the divorce settlement, the mortgage, and the real property.
Serving the Greater St. Louis area including Edwardsville & Glen Carbon, I am a valuable resource to Family Law Attorneys and their clients to provide financing strategies to successfully separate from the mortgage before, during and after divorce. My experience, training and education allows me to bring a different perspective when working with divorcing clients navigating the mortgage process. I understand the complications that can arise and can help establish realistic timelines and strategies. I am best able to assist in the early planning stages of the divorce process for successful outcomes with regard to real estate and mortgage financing. Being able to plan a new future with certainty should be the ultimate goal for all clients. I would love to be your resource that can help pave that way!
Expertise & Specialties Include:
- Overcoming challenges that arise while divorcing the mortgage (Ex. Asset division, equity distribution, etc.)
- Early planning to ensure mortgage financing is attainable in accordance with the Divorce Separation Agreement
- Income vs Qualified Income and unique ways to resolve this potential pitfall
- Coinciding the Mortgage Needs with the Goals & Expectations of the Client
- Helping Divorcing Couples Transition to a New Life
- Clear & Concise Communication
NMLS ID: 1256327, Company NMLS ID: 227262 (www.nmlsconsumeraccess.org) Equal Housing Opportunity
I am a lifelong resident of Edwardsville, IL where I not only received her high school diploma but her Bachelor’s Degree in Business Administration with a specialization in Marketing at Southern Illinois University at Edwardsville (SIUE). The Flowers Team works for USA Mortgage, a St. Louis based company, and they manage the Glen Carbon, IL branch. They are proud to say that 100% of their business is referral based! Guidance and education are the core principles she uses to help others. My passion is to truly make an impact on those in need. I continue to build on this passion through new ventures and her ability to deeply connect with others.