Supporting Partners

These businesses and professionals have made a commitment to support the Collaborative Law Institute of Minnesota and furthering Collaborative Practice through time and financial support. 

Platinum Partner

Rainbow Mortgage

Rainbow Mortgage, Inc. | Dave Jamison
952-405-2090 |

Additional Details about Rainbow Mortgage

David Jamison has been a supporting partner of the Collaborative Law Institute of Minnesota since 2004.  Dave was the Winner of the prestigious “Stu Webb Award” in 2019 for his efforts in assisting Divorcing Clients with home loan concerns as then navigate their divorce journey.  Dave brings unique specialized knowledge to the Mortgage and Divorce process using his 10 years of underwriting experience to assist Collaborative clients with even the most complex of situations.   Dave coordinates with the attorneys, financial neutrals and health care providers to ensure that outcome matches the goal!  Give Dave a call to discuss your unique situation to receive the specialized knowledge and advice you deserve.

Weekly Video Messages from Rainbow Mortgage:
Sign-up to receive our weekly video message Mortgage & Divorce News Email

April 24, 2024
April 10, 2024
April 3, 2024
Thank you to all our Minnesota Family Law Attorneys that stopped by our Booth Last week.  It was great seeing everyone!
March 20, 2024
Attorneys in Minnesota attending the Family Law Institute make sure to watch until the end for Special Invitation Huge News about NAR Settlement that everyone needs to know Market update
March 13, 2024
Check out the Rainbow Mortgage Inc 25th Anniversary Special for your clients!








March 6, 2024




February 28, 2024
February 21
Displaced Homemakers and Single Parents A borrower may also be considered a first-time homebuyer if they are a ‘displaced homemaker’ or a single parent who has not had ownership on a primary residence in the last three years or only had joint-ownership with a spouse. For example, the borrower owned a home last year with a spouse. They have since separated (or divorced) and the borrower is now considered a single parent as they have a child.
In the event that a broker expresses that the borrower meets first time homebuyer status due to being either a displaced homemaker or single parent, the underwriter will escalate the loan to determine what is needed to document their status with the purpose of obtaining a first-time homebuyer benefit. The underwriter will not request information regarding if the borrower is a single parent unless the broker requests the borrower be document as a first-time homebuyer until this corner case.



February 14, 2024





February 7, 2024
50% Divorce Rate: Nearly half of all marriages in the United States end in divorce, making divorce a prevalent issue affecting many families.
Homeownership Rates: According to the U.S. Census Bureau, approximately 65% of households are homeowners. This statistic underscores the importance of understanding the implications of divorce on property ownership and mortgages.
Financial Impact of Divorce: On average, divorce reduces a person’s wealth by about 77%, according to a study published in the Journal of Sociology.
Mortgage Debt in Divorce: In a divorce, mortgage debt is often one of the largest financial obligations to navigate. According to a report by Experian, mortgage debt represents the largest debt category for Americans, averaging around $208,185 per borrower.
Effect on Credit Scores: Divorce can have a significant impact on credit scores. Research from Credit Karma indicates that individuals who go through divorce see an average credit score drop of 30 points.
Refinancing Challenges: After a divorce, refinancing a mortgage can be challenging. A study by the Urban Institute found that 20% of homeowners who attempted to refinance after a divorce were denied.
Home Equity Disputes: Disputes over home equity are common in divorce proceedings. According to a study by Zillow, disputes over home value occurred in 30% of divorces involving real estate.
Impact on Children: Divorce can have long-lasting effects on children. Research from the American Psychological Association suggests that children of divorced parents are more likely to experience emotional and behavioral problems.
Length of Divorce Proceedings: Divorce proceedings can be lengthy and costly. On average, divorce cases in the United States take about 11 months to finalize, according to data from the Centers for Disease Control and Prevention (CDC).
Rise of Gray Divorce: The phenomenon of “gray divorce,” or divorces among older adults, is on the rise. According to a study by the Pew Research Center, the divorce rate for adults ages 50 and older has doubled since the 1990s. This demographic may have unique mortgage and property ownership considerations.
January 31, 2024
Big News Special Opportunity
January 24, 2024




Check out the market update and two valuable tips for your divorce practices!
January 17, 2024
January 3, 2024
This week Dave talks about rate and the market…and goes over a brief FHA synopsis and why it can be good for your clients.
January 1, 2024
December 27, 2023
December 21, 2023







Mortgage rates for the week have been mostly unchanged.  Take a look at the chart below…you can see that we have a really solid floor of support on the Mortgage Backed Securities, which means some really bad news would have to occur for rates to move significantly worse.   Tomorrow is the Personal Consumption and Expenditures report better known as PCE  a good number tomorrow could allow us to continue the rise in mortgage backed securities and lower rates for the beginning of the New Year.
December 13, 20023
Flyer Link




Take a look at the flyer where Dave discusses the improvements in mortgage rates and introduces the new HELP program Rainbow Mortgage launched last week. Discover how it can benefit both you and your clients. We value your feedback, so please share your thoughts!
December 6, 2023
This week Dave gives a market update- good news finally for rates.  In the divorce tip, Dave dispels the myth that your clients have to refinance in order to allow the nonoccupying spouse to purchase a home.
November 29

Dave covers the current mortgage rates and provides a helpful illustration. Additionally, below the video, there’s a home appreciation chart for the year that contains valuable information to share with your clients. In the mortgage segment, Dave delves into qualifying clients with 1099 income and self-employment, which is worth your attention. Lastly, Dave emphasizes their availability for addressing any queries regarding mortgage and divorce, offering a no-cost analysis and unlimited question support for both you and your clients.
December 6, 2023
This week Dave gives a market update- good news finally for rates.  In the divorce tip, Dave dispels the myth that your clients have to refinance in order to allow the nonoccupying spouse to purchase a home.
November 22, 2023
Quick Market update and special Holiday Message from Dave to Everyone
November 15, 2023
This week, Dave provides an update on the market and current interest rates. He then discusses when clients undergoing divorce can obtain pre-approval for a home loan, debunking a common myth in the process. Additionally, Dave introduces a tool called temporary buydowns, which could allow clients to access rates 1, 2, or potentially 3 percent lower than current market rates (specific terms and conditions apply—contact Dave at 612-396-9216 for precise details). Lastly, Dave reminds you of the invaluable offer to review your decrees for mortgage-related matters at no cost, ensuring that clients have the correct language to support their housing goals after the decree.
November 8, 2023
This week Dave details the interest rate market and FINALLY we had a good week and rates came down.  Dave also provides you with an insight into the cost of your clients waiting versus purchasing or refinancing now…CLICK ON THE LINK BELOW THE VIDEO to see the chart.  Finally, Dave discusses how he can assist your clients with less than perfect credit and how as a Broker he is different from the banks.
October 25, 2023
This week Dave gives a quick market update and offers to run payment scenarios for you to get exact numbers for your budgets and decrees. In addition Dave, goes over how support payments are treated in the mortgage world Pre January 1 2020 and Post January 1 2020.  Finally, Dave shares how authorized user accounts can affect your clients credit scores and how to use his soft credit pull option to evaluate estimated effects of removing a credit account.
October 18, 2023 This week Dave discusses where rates are at today and offers to look at payment options for your clients so you have accurate information.  In addition, Dave talks about the WARN report (see below) and how it may be a precursor to lower rates.  Finally, Daves mortgage tip is about credit and the importance of discussing with your clients the need to continue to pay their bills.
October 11, 2023 This week Dave talks about that market over the last week.  Dave also discusses the importance of knowing that all lenders are not created equal.  Dave wraps up with a nice little appreciation chart that you can share with your clients.
October 4, 2023 This week Dave talks about the Fed Chairs just needed to be quiet for a while and let the market do its thing.   In addition, Dave provides insight to a cool debt consolidation tool that he has.  The tool might solve some of the budgeting issues your clients may be facing in this challenging economy.
September 27, 2023 This week Dave discusses the impact of the Federal reserve meeting.  Also Dave talks about the benefits of a Marital lien in lieu of a straight cash out refinance.
September 20, 2023 This week Dave talks about the outcome of the Fed Meeting today and the outlook going forward.  Also, Dave discusses the 5 aspects of the credit score and how a divorce proceeding can affect the score.  Finally, Dave lets you know about obtaining a soft credit pull with Rainbow Mortgage Inc and the benefits of the soft pull!
September 13, 2023 This week Dave discusses the Fed and their take on inflation and for your tip, Dave talks about Marital liens and their benefits for your clients!
September 6, 22023 This week Dave gives a brief weather update in Minnesota (yuck) and market update.  In addition, Dave shares with you how your clients can potentially purchase a home before selling the marital home using what is called a RECAST option once the marital home is sold.
August 30, 2023 This week Dave discusses current rates and the market movers.   Also Dave discusses the importance of specifying debt distribution and he provides and example spreadsheet.  Finally, Dave reminds you of the no cost decree review service that Rainbow Mortgage Inc provides.
August 23, 2023  This week Dave updates you on the market and rates (nice reversal yesterday)  In addition, some key tips on closing credit cards and accounts and how it an affect credit scores.  Also, Dave reiterates the importance of using a lender that uses soft pulls for credit.
August 16, 2023 Today Dave discusses where the market is at and some key elements of the mortgage backed securities market.  Your divorce tips has to do with escrow refund checks and escrow set up fees and how to potentially free up some cash for a closing.
August 9, 2023 This week Dave discusses the current rates and inflationary pressures on the mortgage backed securities market.  Also, Dave addresses one of the biggest mistakes he sees divorcing clients make after divorce when they purchase a new home.
August 2, 2023 This week Dave talks about the US Credit rating being downgraded and how that affected mortgage rates.  Dave also discussed why a debt consolidation loan may be a better option than keeping that low first mortgage interest rate and some tools that Dave has that he can use to help you and your clients make educated decisions!

Gold Partner


OurFamilyWizard | Racheal  Howitz
612-481-0164 |

Additional Details about OurFamilyWizard

OurFamilyWizard applications help divorced or separated parents maintain an amicable path forward. On OurFamilyWizard, parents can manage schedules, record expenses, create journal entries, share files, and document communication accurately.

Working with clients on OurFamilyWizard, legal and mental health practitioners can assist families to move beyond conflict and co-parent with confidence.

Contact me to learn more about our fee waiver program, free professional access, and updated agreement language.

Professional Resource Kit Linked here:

Gold Partner

Prudden Company

Prudden Company | Amber Tyrrell
702-498-3576 |

Additional Details the Prudden Company

Whether you’re looking to sell, purchase or rent your home, Prudden Company is the firm to help you.

Visit our website:

Gold Partner

RE/MAX Results

RE/MAX Results | Shannon Lindstrom, REALTOR®
612-616-9714 |

Additional Details about RE/MAX Results

Shannon Lindstrom, an experienced REALTOR® with RE/MAX Results, brings a wealth of expertise to the real estate industry. As a Certified Divorce RealEstate Expert (CDRE®) specializing in the Twin Cities, Minnesota region, she holds additional certifications as a Certified Military Residential Specialist (MILRES), Certified Military Veterans Real Estate Agent (VCA), and Military Relocation Professional (MRP). Her professional journey is characterized by a steadfast commitment to staying abreast of market trends, understanding the unique needs of her clients, and consistently delivering exceptional results.

Over the course of her successful career, Ms. Lindstrom has fostered strong connections with her clients, gaining their confidence through an approach characterized by transparency and honesty. Her exceptional negotiation skills have translated into numerous successful transactions and satisfied clients. Ms. Lindstrom possesses a unique position to serve divorcing parties and their attorneys, offering an objective and neutral expert opinion in low and high-conflict divorce matters involving real property. Ms. Lindstrom is well-versed in the intricacies of property transactions, providing comprehensive guidance to both buyers and sellers. Her adept negotiation skills, coupled with a keen awareness of market dynamics, solidify her standing as a trusted advisor within the competitive real estate market.

As an experienced Realtor®, Shannon Lindstrom values collaboration with a diverse range of clients/customers who share a commitment to achieving their unique real estate goals. Her professional approach is tailored to cater to the needs of individuals and families seeking personalized guidance in the dynamic real estate landscape.

RE/MAX Results 2022 – Delta Award Recipient
RE/MAX 2021 & 2022 – 100% Club Award Recipient
Minneapolis Area Association of Realtor® (MAAR) 2019 – Exceptional
Service Award Recipient
RE/MAX 2018 – Executive Club Member Recipient

Shannon Lindstrom, Realtor®, CDRE®, CREDS, CRS, AHWD, GREEN, MILRES, MRP, VCA
RE/MAX Results
7373 Kirkwood Court No, Ste. 300
Maple Grove, MN 55369
Direct: 612-616-9714

Silver Partner

CrossCountry Mortgage

CrossCountry Mortgage, LLC  | Brett Leschinsky
612.590.7896 |

Additional Details about CrossCountry Mortgage

Specializing in mortgage transactions surrounding divorce

Request to receive my Newsletter: Mortgage Q & A – Helpful Mortgage Information During Divorce
Email me at:
Click the date to read the latest Newsletter
February 2023

Silver Partner

Jennifer Morris - Edina Realty

Edina Realty | Jennifer Morris, Realtor
952-937-8600 |

Additional Details about Jennifer Morris, Realtor

My team and I provide professional real estate services serving Minneapolis, St. Paul and the metro counties. Contact me for a complimentary market analysis of your home.

Silver Partner

Baker Vicchiollo Law LLC

Baker Vicchiollo Law LLC | Jolene Baker Vicchiollo
(952) 405-2050 |

Additional Details about Baker Vicchiollo Law

Jolene is the founder and principal attorney at the law firm of Baker Vicchiollo Law located in Edina Minnesota, representing individuals and families in matters of divorce, child support, custody, property division, nonmarital claims, and parenting time, as well as estate planning, nuptial agreements, adoption, paternity, and grandparent rights. Admitted to practice in Minnesota since 1999, and in private practice for the past 23 years, Jolene has extensive experience in district courts throughout metropolitan counties, establishing a highly regarded practice in litigation, alternative dispute resolution, and collaborative divorce.

When experiencing life changes such as marriage, divorce, adoption or birth of a child or maybe parenting time, or financial challenges due to a job change, Baker Vicchiollo Law is here to help you move through change, to move forward with your life. We may not be able to address every aspect related to change, the emotional impact, but we can help with legal aspects when change is necessary or inevitable.

Find out more >