It is my pleasure and honor to assist you in navigating your options when it comes to residential financing. With over 28 years in the mortgage industry, I am happy to handle your purchase or refinance of 1-4 family properties. I work with seniors, their families, and their financial advisors to educate them about the strategic use of housing wealth and how it can support and enhance their retirement plans.
Our Goal: Stop scams, fraud and unethical business practices targeted at all consumers, especially older adults, via our social platforms and our network of vetted professionals and businesses. We want to ensure consumers also have a reliable, nationwide network of vetted businesses and professionals who they can rely on and purchase from with confidence.
The NAOSA Gold Standards go above and beyond many legal and professional organization requirements, demanding one simple business practice; do what is right for the consumer, young or old. Working with Karen was fantastic. Her assistance throughout the (reverse mortgage) loan process was so helpful.
Our Goal: Stop scams, fraud and unethical business practices targeted at all consumers, especially older adults, via our social platforms and our network of vetted professionals and businesses. We want to ensure consumers also have a reliable, nationwide network of vetted businesses and professionals who they can rely on and purchase from with confidence.
The NAOSA Gold Standards go above and beyond many legal and professional organization requirements, demanding one simple business practice; do what is right for the consumer, young or old. Working with Karen was fantastic. Her assistance throughout the (reverse mortgage) loan process was so helpful.
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I specialize in reverse mortgage financing and educating seniors, their families, and their financial advisors on the strategic use of housing wealth as part of a comprehensive retirement income plan.
I also continue to do conventional purchase and refinance loans.
I began my lending career as a broker associate in 1993.
Focusing on referral based business, I grew my database and loan production until I felt it was time to transition to becoming a retail branch of a direct lender.
From 2000 until 2016, I managed that branch, continuing my personal production until 2014, and eventually evolved into a regional manager role recruiting and growing other retail branches in the Southern CA area.
I also continue to do conventional purchase and refinance loans.
I began my lending career as a broker associate in 1993.
Focusing on referral based business, I grew my database and loan production until I felt it was time to transition to becoming a retail branch of a direct lender.
From 2000 until 2016, I managed that branch, continuing my personal production until 2014, and eventually evolved into a regional manager role recruiting and growing other retail branches in the Southern CA area.
2. Be contacted about a mortgage at my phone number even if my phone number appears on a State or National Do Not Call Registry, or any other Do Not Contact List.
This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA).
It is not intended to be a substitute for legal, tax or financial advice.
Consult with a qualified attorney, accountant or financial advisor for additional legal or tax advice.
The borrower(s) must continue to pay for property taxes and insurance and maintain the property to meet HUD standards or risk default.
This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA).
It is not intended to be a substitute for legal, tax or financial advice.
Consult with a qualified attorney, accountant or financial advisor for additional legal or tax advice.
The borrower(s) must continue to pay for property taxes and insurance and maintain the property to meet HUD standards or risk default.
A Home Equity Conversion Mortgage (HECM) is the formal name of the federally-administered loan that many commonly refer to as the 'reverse mortgage' loan.
The Home Equity Conversion Mortgage is administered by H.U.D. (The Department of Housing & Urban Development) and may help qualified homeowners 62 and older enhance their cash flow during retirement.
There may also be private jumbo reverse mortgages' available in your area for higher-valued properties (usually over $700,000 in value) which are not insured by FHA.
The Home Equity Conversion Mortgage is administered by H.U.D. (The Department of Housing & Urban Development) and may help qualified homeowners 62 and older enhance their cash flow during retirement.
There may also be private jumbo reverse mortgages' available in your area for higher-valued properties (usually over $700,000 in value) which are not insured by FHA.
Do I have the financial resources to help my parents with their medical and living expenses?.
What are my parents' wishes as to staying home if medical care is needed for an extended time?
Will Mom and Dad use up my inheritance?
While tapping into their home's value, your parents' home may appreciate in value, which could allow for some equity to be left at the end of the loan, but not always.
It is possible for your parents to use up their home's remaining equity.
Keep in mind that they could be able to live more comfortably without having to depend upon family members to support them.
What are my parents' wishes as to staying home if medical care is needed for an extended time?
Will Mom and Dad use up my inheritance?
While tapping into their home's value, your parents' home may appreciate in value, which could allow for some equity to be left at the end of the loan, but not always.
It is possible for your parents to use up their home's remaining equity.
Keep in mind that they could be able to live more comfortably without having to depend upon family members to support them.
A reverse mortgage loan is not for everyone.
We can provide detailed loan scenarios to you (with your client's permission) to help reach a decision that is aligned with the interest of all parties.
We are upfront with all our clients about the advantages and disadvantages of a reverse mortgage.
Proceeds received from a reverse mortgage typically do not affect Social Security or Medicare.
Provides access to a portion of their home's value without the requirement of monthly mortgage payments.
Borrowers must continue to meet ongoing property obligations such as homeowner's insurance and property tax payments.
We can provide detailed loan scenarios to you (with your client's permission) to help reach a decision that is aligned with the interest of all parties.
We are upfront with all our clients about the advantages and disadvantages of a reverse mortgage.
Proceeds received from a reverse mortgage typically do not affect Social Security or Medicare.
Provides access to a portion of their home's value without the requirement of monthly mortgage payments.
Borrowers must continue to meet ongoing property obligations such as homeowner's insurance and property tax payments.
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