HECM: Magic in Retirement – FREE Webinar

  • May 16, 2019

Join us for a FREE Webinar with Steven W. Thomas about how a HECM loan can be magic in your retirement! Click the photo below to sign up today.

H4P Certification Course

  • April 15, 2019

Learn how you can sell more homes by offering the HECM for Purchase Program to your clients 62+. Imagine showing someone how to purchase their Dream Home with as little as 50-60% down and never having to pay a monthly mortgage payment!

In this webinar, we will discuss the following:

– 10 Things You Should Know about the HECM for Purchase Program

– Why Traditional Financing or Paying Cash May Negatively Impact Your Client’s Retirement

– 3 Steps to Qualify for a HECM

– What Types of Property a HECM Can Be Used to Purchase

– 20 Frequently Asked Questions

– How To Sell More Homes and help Buyers obtain their Dream Home

– What Types of Property a HECM Can Be Used to Purchase

– 20 Frequently Asked Questions

– How To Sell More Homes and help Buyers obtain their Dream Home

A Quick Idea in Reverse: A Reverse Mortgage Isn’t a Last Resort!

  • April 15, 2019

Please look at the credentials and the achievements of the author of the linked article, Dr. Jamie Hopkins.  Many of you know him or of him.  He certainly qualifies as an expert to pay attention to.  Yet we know that many advisors are actually purposely screened from these facts!  Maybe the fact that FINRA has formally removed language that refers to reverse mortgages as a “last resort” will encourage you to approach the use of housing wealth in a retirement plan with a fresh and open mind.

Also please note that the research and material is directed primarily at advisors whose clients are more likely to be in the distribution phase as opposed to the accumulation phase.

Would you like to see case studies that support superior results across many demographics when mortgage payments are eliminated?  Please call me and I’ll provide many of them.  You and your clients will benefit. 

Please click below, thanks!

5 Common Reverse Mortgage Questions

  • April 5, 2019

Often I present and describe to you very specific applications of the HECM program, either for refinance or purchase.  Every once in a while it seems like a good idea to review some basics.


Let’s look at 5 Common Reverse Mortgage Questions answered by Don Graves, RICP®, CLTC®, Certified Senior Advisor, CSA®.

  1. What does “non-recourse” mean?
  2. How much money can my clients get from a Reverse Mortgage?
  3. What if my client’s spouse isn’t 62 or older?
  4. Are my clients responsible for paying their taxes?
  5. Can my clients sell their home if they have a reverse mortgage?

Check out the link below and be sure to reach out to me for questions.  Better yet, let’s visit on a personal or group Lunch and Learn basis. It’s on me!

A Quick Idea In Reverse: Using Housing Wealth

  • March 21, 2019

The attached article takes a rather in depth look at the use of housing wealth in retirement strategies and outcomes.  Please take a few minutes to read it.  One of your clients, friends or family members may benefit greatly from it!

I’m always available for questions or a Lunch and Learn at your office.


H4P Certification Course

  • March 11, 2019

Have an Open Mind

  • February 18, 2019

Most of us would agree that having an open mind is beneficial.  None of us can be experts on all products or concepts.  While I am licensed to do “forward, traditional” mortgages, I liken myself to a patent lawyer who is asked to evaluate the appropriateness of reverse mortgage for a friend or family member.  When I am asked about a traditional mortgage, I always refer it out to someone in that world rather than represent that I am proficient at it.  I’m certainly not.  I don’t do them because it would be a disservice to the client.

Thankfully, the attitudes among professionals like Financial Advisors, Attorneys, CPA’s, Traditional Loan Officers and other professionals who deal with senior clients is evolving.  In short, those professions and anyone who chooses to be informed before sharing opinions are increasingly in favor of this terrific financial tool.

Here is an illustration of that evolution of thinking within the Financial Advisor community:


Contact me and I’ll get you up to snuff on this important consideration for seniors.  Or to bring a Lunch and Learn into your office on my nickel.  You will be surprised at what you don’t know.  I’m certainly not equipped to give legal or investment advice.  But this stuff I know.

H4P Certification Course

  • February 5, 2019

10 Ways to Supersize Retirement Outcomes with Don Graves

  • February 4, 2019

I am privileged to be associated with several nationally renowned experts in retirement planning. Among them is Don Graves. His bio is too long to present here. I would lose your attention!

Don is the author of this article that I want to bring to your attention.

Strategies described in the article are worth seeing for financial planners, realtors, attorneys, CPA’s, loan officers and other professionals who serve baby boomer or older clients.

Power of Paying Off a Mortgage: 10 Ways to Supersize Retirement Outcomes

I am always available to discuss these and any strategies that use housing wealth. Call or email me for a one-on-one or a Lunch and Learn for your office!

H4P Certification Course

  • January 8, 2019
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