Seniors seeking financial help with mortgages or planning retirement? A Reverse Mortgage could be the solution you need. Unlike Conventional Mortgages, Reverse Mortgages offer unique benefits tailored to seniors:
- Principal and interest payments are not required, freeing up your cash flow.
- Access tax-free cash from your home’s equity without it being reported as income to the IRS.
- Retain ownership of your home’s title.
- Protect your surviving spouse’s access to benefits even after one spouse passes away.
- Safeguard your Social Security and Medicare benefits.
- Enjoy the peace of mind of a NON-Recourse loan, ensuring your estate will never owe more than your home’s value.
- Rest assured knowing the government provides benefits in case of bank default.
- The heirs can never inherit a debt unless they choose to. This would be applicable in situations where the heirs want to keep the home via a refinance.
IS A REVERSE MORTGAGE RIGHT FOR ME? (click)
Explore various Reverse Mortgage program options designed to suit your needs: HECM (Home Equity Conversion Mortgage): Unlock the potential in your home’s equity with a HECM Reverse Mortgage. Use the funds to pay off your existing mortgage, supplement income, cover expenses, renovate your home, and more. HomeSafe: Enjoy loan amounts up to $4 million, competitive interest rates, and the industry’s only Borrower Care program. Plus, no monthly mortgage insurance premiums and minimal out-of-pocket costs. Reverse for Purchase: Relocate or right-size to your dream home without required monthly mortgage payments. Increase your buying power and save money with this innovative option. With HECM Reverse Mortgage proceeds, you’ll be able to:
- Pay off an existing mortgage
- Stay in your home long-term
- Increase your buying power for purchasing a new home or condo
- Supplement income for regular expenses
- Diversify overall retirement strategy
- Cover medical expenses
- Pay for in-home care
- Renovate your home
- Purchase insurance
- Go on the trip of a lifetime
- Start a new business
- Help your grandchildren pay for college
- Or simply have savings available for the future
A HomeSafe Reverse Mortgage: • Provides loan amounts higher than a Home Equity Conversion Mortgage, or HECM—up to $4 million • No monthly mortgage insurance premiums (MIP) • Competitive interest rates • Fees that can be rolled into the loan with little to no out-of-pocket costs (except for Purchase) • The industry’s only Borrower Care program that includes a HomeSafe concierge A Reverse for Purchase can help you: Relocate or right-size to the perfect home with no mortgage payments. This option allows borrowers to increase their buying power when purchasing a new home using a HomeSafe reverse mortgage, giving them the option to save money with no monthly mortgage payments. The process is simple:
- Determine loan proceeds based on your age and home’s value.
- Undergo a financial assessment and independent counseling.
- Complete a formal appraisal of your property.
- Proceeds pay off your current mortgage.
- Receive additional cash as a lump sum or line of credit.
- Continue paying taxes and insurance along with upkeep of the property.
- Enjoy retirement with newfound financial flexibility.
- Seniors seeking financial help with mortgages or planning retirement?
A Reverse Mortgage could be the solution you’ve been searching for. Let’s explore if a Reverse Mortgage is right for you and help you create a retirement you feel good about.
FREE in-home consultation is available in Southern California.
About Jeff Markell and Reverse Mortgage Nuts & Bolts
UPDATE – Jeff is currently licensed in California (02/01/2024)
I WANT TO FIND OUT HOW MUCH I QUALIFY FOR WITH A REVERSE MORTGAGE (click)
***#1 Reverse Mortgages ARE NOT designed to only be a loan of last resort.***
***#2 Reverse Mortgages ARE very flexible and an excellent Financial Tool to help you preserve your assets.***
***#3 Reverse Mortgages CAN also be used for Purchasing a Home.***
In-Home Consultation – I’ll come to you (in Southern California)
Seasoned Professional – I’m a Senior Competitive
Pricing – I’ll help provide your best benefit
No “Hollywood Celebrity” Overhead Fees
I’ll be with you from Start to Finish
I love to change Senior’s Lives for the Better!
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Jeff Markell – U.S. Air Force Veteran – NMLS 224196
Call me today at 714.614.4040 for a FREE (No Obligation) Consultation
Powered by Empire Home Loans, Inc. – 4401 Hazel Ave., Ste. 135 Fair Oaks, CA 95628
NMLS – 1839243 – CA DBO/CFL Lic: 60DBO-98315
NMLS Consumer Access: www.nmlsconsumeraccess.org
This webpage does not represent a commitment to lend.
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