A Mortgage Partner Who Speaks Your Language
We work specifically with financial planners and divorce specialists to ensure equitable, cost-effective outcomes that position your clients to weather life's financial challenges.
What We Do Differently
Home Equity as a Planning Tool
Reverse mortgages (HECM), standby lines of credit, and equity-based strategies for retirement income, sequence-of-returns protection, and long-term care funding.
Divorce Lending
Buyouts, refinances, and equity division scenarios where the mortgage has to work in lockstep with a settlement — not around it.
Why Planners Work With Me
I Speak Your Language, Not Just Mortgage Language
Conversations about sequence-of-returns risk, tax bracket management, QDROs, and settlement timelines aren't things I need explained — they're the context I expect to be working in.
I Loop You In, Not Around You
When I work with your client, you stay part of the conversation. My job is to execute the mortgage side of a plan you and the client have already shaped — not to redirect the client toward products that serve me instead of the plan.
I Handle the Technical Files Other Loan Officers Hand Back
Trust-held property, complex qualifying income (asset depletion, LLC rental income, business ownership), appraisal disputes, and divorce-specific documentation (QDROs, decrees, TD-1000 filings in Colorado) are where I spend most of my time — not straightforward W-2 purchases.
Where We Specialize
A client is 62+ with significant home equity and a retirement income question. Before you rule a HECM in or out, it's worth a 15-minute conversation to see whether it changes the math on Social Security timing, portfolio withdrawal sequencing, or a long-term care funding gap.
More on how a HECM fits into a financial plan →A client is going through divorce and the home is part of the settlement. Whether it's a buyout, a refinance to remove a spouse from the note, or equity division tied to a QDRO timeline, the financing needs to align with the legal process — not just close as fast as possible.
More on divorce lending →Let's Talk Through a Client Scenario
No cost, no obligation — just a straightforward conversation about whether a piece of your client's plan touches their home equity or mortgage.
We've been helping people like you achieve their dream of homeownership for over 10 years.
This is a loan production office of United Lending Team, Inc.
United Lending Team DBA Clearview Equity Advisors
1050 Wilshire Drive Suite 300
Troy, MI 48084
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ULT, Inc. Licensed In: AL, AZ, AR, CA, CO, DC, FL, GA, ID, IL, IN, IA, KS, MD, MI, MN, MT, NE, NH, NJ, NC, ND, OH, OK, OR, PA, SC, SD, TN, TX, UT, VA, WA, WI, WY
Roland Scott Licensed In: CO
All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.