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Trusted Advisors

A Note To Trusted Advisors

While a reverse mortgage may not be the best choice for everyone, it bears looking at it to see if it provides benefit for each individual client. We can provide scenarios so that you can see how it would work. Our motto is We educate; You decide. We will answer all your questions and those of your client. Feel free to call and chat. We can facilitate a three-way call to be sure that all the questions are answered with your client on the line, if you or they prefer.

couple meeting with agent



Reverse mortgages provide many advantages for seniors. Here are a few:

  • Proceeds do not affect Social Security, pension, or Medicare
  • No monthly mortgage payment* which improves cash flow
  • Provides the ability to eliminate credit card or other debts
  • Provides a source of funds for sequence of returns strategies
  • Provides greater financial security in retirement
  • Maintains independence while living in their own home
  • Provides funds for in-home health care, medical expenses or anything else


A Potential Reverse Mortgage Borrower

  • At least one homeowner is 62 or above (a non-borrowing spouse may be younger)
  • Depending on the age of the youngest borrower or non-borrowing spouse, has 30% - 60% equity in their home
  • Wants to maintain or improve their lifestyle
  • Wants to have a guaranteed-growth line of credit that cannot be frozen or cancelled and is not tied to the market
  • Wants to have access to tax-free funds for any purpose including purchase of a second home, RV, travel, payment of debts, investment
  • Wants to age in place
  • Wants to purchase a home using a reverse mortgage and have no mortgage payment