Discover how to live more in retirement
Your Partner in Home Equity Solutions
Discover how to live more in retirement
Discover how to live more in retirement
Discover how to live more in retirement
Are your assets liquid enough for the unexpected event? Are you able to live your
life and not just exist? How much more cash each month could you use?
Those 65 and over have more than
11 Trillion in home equity.
Making sure you have enough money and don't run out. 80% of retirees lay awake at night worried about running out of money. Worried about how they will pay for property repairs and taxes. Wondering if they should sell and just rent.
Leaving something for those
who you care about. Make your retirement savings last longer.
Use the cash to pay for home repairs or make your home more accessible for your situation.
Maybe you have always wanted to travel but have never had the funds.
Fund in home care or
supplement long term care.
Stretch your retirement savings. Use your line of credit to off set tax liabilities associated with a Roth Conversion or just lower your tax bracket by using some of your equity to live on. Creating more wealth by strategically using your home
and other assets.
Eliminate your current principal and interest payments. Payments are optional with a
Home Equity Conversion Mortgage or
other reverse loans. You will still make property tax and insurance payments.
Purchase a new primary resident or take cash out of your current primary to purchase a 2nd home.
Cannot find an answer to your questions? Contact: Rebecca Porter 425-244-2400
email: rporter@onetrusthomeloans.com
A HECM (reverse loan) is available to homeowners who are 62 years of age and older. A HECM allows you to utilize your homes equity. The money received can be used for any purpose and the proceeds are tax free. The loan is used for a variety of needs. You can receive your money in multiple different ways. You can even purchase a new home with a HECM Reverse. As far as you giving your home away, no you are not giving your house to the bank. You remain the owner and on title. However, you will have a lien against your home so the lender can recoup their funds once the last person is no longer living in the home as their primary residence. You still need to pay property tax, insurance and HOA dues, if applicable.
The loan is paid off when you are no longer living in the home as your primary residents. Your heirs will receive any equity left in the home after the loan is paid off. Your loved ones, may purchase the home to pay off the loan or sell the house to pay off the loan. The loan is a non-recourse loan, meaning your heirs or estate will not owe more than the value of the home when the loan becomes due, even if the loan balance is higher.
The dollar amount that is lent to you is based on, how old you are, value of home, and current interest rate. The HECM loan can be done on Town homes, Condo's if FHA approved, Single family residents and manufactured homes that meet FHA guidelines.
To empower retirees with financial solutions that enhance their quality of life through personalized guidance, integrity and patients . Giving peace of mind in the retirement years.
When I was young and in high school, I thought I would be
going into the medical field but then I fell in love and that changed the course of my life. I married young, and with my husband in the military, I thought having a career in cosmetology would transition well
with all the future moves ahead. I enjoyed helping build people's confidence. We ended up settling in Washington after he completed his time in the service. I decided to head back to school and take a few financial classes. I loved economics and investing, but sadly ended up putting school on hold because we were purchasing a new home, and we just didn’t have
the extra funds to put into my education. It was a devastating blow, but that pause in my education led to a wonderful time of my life.
In my late 20s I had my son and couldn't dive into a new finance career at this time. I loved being a full-time mom, but when my son became school aged and my days were freed up, I decided it was finally my time to enter
the financial world and become a loan officer.
Through the years, I have experienced the ups and downs of the market. I know firsthand how hard one needs to work to save money.
I really found my passion not just in loans, but specifically in helping seniors stay in their homes by accessing the equity in their home in a safe way. It gave me that purpose I had been looking for. But in the middle of all the crazy economic times, I experienced a major life change, twice! I found myself single in my late 30s and again in my late 40s. I realized that being prepared for major changes and retirement is more important than ever. I was
spending my days helping others prepare for their later years, and going through it myself gave me a newfound empathy
and compassion for my customers.
I want each person to know that they are worth all my time. I like to keep in touch with my clients long after the loan closes. I am extremely blessed to have found my career. I not only get to show my outgoing, energetic, caring side, but the best part truly is serving the incredible seniors I get to meet.
When you hire me to help you fund your retirement, it’s not a one and done transaction. I'm here as a resource for all things in life. I'm excited that I can offer multiple reverse loan programs that can be customized for your specific needs. I love working with seniors and helping them live a fulfilling retirement. My goal is to leave a positive mark on each person
I meet. I am always honored to help make an impact on such an incredible generation of people.
Retirement life review. What does this mean? We will explore how life is working for you now , what you would like to change, how we can change it, what legacy are you wanting to leave. Explore the strategic use of home equity. Does using your homes equity make sense for you?
Call, text or email.
The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The
borrower must maintain the home. If the homeowner does not meet these loan obligations, then the loan will need to be repaid. This is not tax advice. Consult a tax professional. These
materials are not from HUD or FHA and were not approved by HUD or a government agency.
NMLS #46375 3838 Camino del Rio N Suite 305, San Diego, CA 92108
Licensed by the Department of Financial Protection and Innovation under California Residential Mortgage Lending Act, Branch License # 4131248
CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; 3838 Camino del Rio N Suite 305, San Diego, CA 92108.
Corporate phone (888) 488-3807. For more licensing information visit: https://onetrusthomeloans.com/licensing-information/. All products are not available in all states.
All options are not available on all programs. All programs are subject to borrower and property qualifications. Rates, terms and conditions are subject to change without
notice. This is an Advertisement. For more information on Reverse Mortgages, visit: https://OneTrustHomeLoans.com/reverse-mortgage-disclosures/
I am happy to come to your home and meet you.
Open today | 09:00 am – 08:00 pm |
Feel free to call anytime.
The borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The
borrower must maintain the home. If the homeowner does not meet these loan obligations, then the loan will need to be repaid. This is not tax advice. Consult a tax professional. These
materials are not from HUD or FHA and were not approved by HUD or a government agency.
NMLS #46375 3838 Camino del Rio N Suite 305,
San Diego, CA 92108
Licensed by the Department of Financial Protection and Innovation under California Residential Mortgage Lending Act, Branch License # 4131248
CalCon Mutual Mortgage LLC, dba OneTrust Home Loans is an Equal Housing Lender NMLS #46375; 3838 Camino del Rio N Suite 305, San Diego, CA 92108.
Corporate phone (888) 488-3807. For more licensing information visit: https://onetrusthomeloans.com/licensing-information/. All products are not available in all states.
All options are not available
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