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Expert mortgage guidance through your divorce

Iowa mortgage divorce expert – Lisa Severseike

The journey of a divorcing homeowner

The journey a divorcing homeowner takes, whether retaining the marital home or buying a new property, should incorporate Divorce Mortgage Planning into the negotiation and settlement process.

Journey of a Mortgage Divorce

Divorce Mortgage Planning is the ability to put into play the desired outcome by pairing the needs and options available while incorporating the necessary details and clarity into an executable settlement agreement to obtain closure and peace of mind successfully. As Certified Divorce Lending Professionals, we’ll incorporate divorce mortgage planning into the overall process with a unique and solid understanding of the intersection of family law, financial and tax planning, real property, and mortgage planning.

Lisa Severseike of Global State Mortgage a division of American Pacific Mortgage has completed training and is a Certified Divorce Lending Professional (CDLP). 

Divorce Lending Professionals are residential mortgage professionals specializing in working with divorcing clients and other divorcing professionals such as family law attorneys and financial planners. They are trained in the legal and tax aspects of the divorce process as it relates to real estate and mortgage financing. This specific training allows them to help their divorcing clients and their professional divorce teams recognize potential obstacles and opportunities related to real estate and mortgage financing helping to set clients up for success post-decree.

For example, most mortgage professionals don’t know that, in some circumstances, support payments (excluding child support) can be considered negative income rather than a liability which helps to reduce debt-to-income ratios, or that the division of equity must be determined in the Homestead section of the divorce settlement agreement in order for a refinance not to be considered a cash-out refinance resulting in higher interest rates and tighter loan to value restrictions.

Since divorcing couples comprise a large portion of the real estate market, Divorce Lending Professionals are a new and growing trend in the mortgage industry. Sadly, over 50% of all marriages end in divorce however, those numbers are decreasing. In over 70% of those cases, the parties involved are either buying a house, selling a house, or both. A Divorce Lending Professional who understands the special problems and laws that govern the dissolution of marriage can be a great asset at a very difficult time to both the divorcing client and the professional divorce team.

Determining the Value of Real Property in Divorce

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Mortgage Communication in Divorce

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Mortgage Negotiation in Divorce

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Lisa Severseike Mortgage

Lisa Severseike

Branch Manager + Mortgage Loan Originator //  NMLS #7911

I am the mother of all boys, including our golden mountain doodle, Appa, and cat, Duke. As queen of my home, life is never dull. It is full of spills and thrills. We live and work in small-town America. I love living in Iowa. After graduating from college with my degree in teaching and coaching endorsements, I directed my love for business and teaching into the mortgage world and haven’t looked back. For over 20 years, I get to do what I love and love who I get to connect with every day.

I am passionate about giving back to my profession and my community by being involved with local non-profits and industry organizations. 100 Women who Care, Bridge Home, Boys and Girls Club of Story county the MBA just to name a few.

Our branch eats, breathes, and lives doing mortgages. We don’t want your checking account and we won’t try to sell you an investment. We are here to help you look at your mortgage options and walk you through the process until you obtain the keys to the home you are buying. Whether your credit is perfect or if there were a few hiccups, we can help you with your mortgage options. Our office has over 50 years of experience to draw on. We care deeply about your dream to own a home or to reach your financial goals by owning investment properties. 231-4119
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Why work with us?

We truly care about what is best for you! From pre-approval to closing, our goal is to provide you with the best service while saving you money. We provide a completely customized experience, and will find the right loan program and best terms for you.

The most important part of our success is our clients and real estate agents who trust us every day to educate and advocate for them in the mortgage process. We have multiple loan products, giving our clients more options, competitive rates, and low fees. We are passionate about providing great customer service.

Mortgage Loan

How the process works



There are a few critical documents we will need to verify to start your process.



The appraisal ensures the home you are buying is worth the price that is being offered.


Initial Underwriting

The Underwriter will verify that all information is accurate and authentic.


Conditional Approval

Conditional Approval is granted when the Underwriter approves the loan under certain conditions.


Clear To Close

The Underwriter verifies that all documentation has been provided and all conditions have been met.



Signing the final documentation and receiving the keys to your new home!

We offer a wide array of services aimed at simplifying your life