Helping Oregon Seniors

Talk With Ryan Today

Talk With Ryan Today

Your Reverse Mortgage Specialist

Reverse mortgages are a federally insured way to supplement your retirement income and make no mortgage payments for as long as you live in your home. You’ve paid for your home long enough. It’s about time it started paying you back.

Your Reverse Mortgage Specialist

Reverse mortgages are a federally insured way to supplement your retirement income and make no mortgage payments for as long as you live in your home. You’ve paid for your home long enough. It’s about time it started paying you back.

Too many bills and not enough income?

Life’s about to get a lot easier.

It’s a different type of mortgage, specifically for seniors

A reverse mortgage is a type of federally insured mortgage, specifically for seniors, which requires no repayment for as long as the borrowers live in the home (homeowners will still be responsible for paying their property taxes and homeowner’s insurance).  It’s a way for seniors to access the equity in their homes and allow it to benefit them in retirement.  Reverse mortgages are highly regulated by the government and have many protections in place for the borrowers and their heirs, making them very safe mortgage products.

It’s a different type of mortgage, specifically for seniors

A reverse mortgage is a type of federally insured mortgage, specifically for seniors, which requires no repayment for as long as the borrowers live in the home (homeowners will still be responsible for paying their property taxes and homeowner’s insurance).  It’s a way for seniors to access the equity in their homes and allow it to benefit them in retirement.  Reverse mortgages are highly regulated by the government and have many protections in place for the borrowers and their heirs, making them very safe mortgage products.

it’s designed to allow you to easily cash in on your home’s equity

You’ll have peace of mind knowing all parties are protected

Because these non-recourse loans are strictly regulated and insured by the government, you can rest easy knowing the lender can never come after you or your heirs for any outstanding debt.  In the event you pass away before your spouse, your spouse will still be protected and will be allowed to continue to own the home with no mortgage payments due for as long as they live in the home.  Your heirs would be protected as well and would have several attractive options to choose from.

It’s flexible and allows for a more enjoyable senior lifestyle

There are several ways to access the equity in your home with a reverse mortgage, to include debt payoff, term payments, tenure payments, one-time payments, and credit lines.  Your scenario can be tailor fit to your situation with any combination of the above options and it can be changed at your request at any time in the future.

It’s flexible and allows for a more enjoyable senior lifestyle

There are several ways to access the equity in your home with a reverse mortgage, to include debt payoff, term payments, tenure payments, one-time payments, and credit lines.  Your scenario can be tailor fit to your situation with any combination of the above options and it can be changed at your request at any time in the future.

Let’s get strategic

The most common strategies employed with reverse mortgages are paying off existing mortgages and debts and eliminating mortgage payments, deferring social security benefits, and hedging against the risk of declining property values.  Reverse mortgages can even be used to leverage a purchase transaction.  You can put down roughly 50% or you can qualify for twice the home you would have with a traditional mortgage and still enjoy the freedom of no mortgage payments due for as long as you live in the home.

Let’s get strategic together

The loan is not due until the last spouse no longer lives in the home, property taxes or insurance go unpaid, or the home goes into a state of disrepair. Non-borrowing spouses are protected in the event that the borrower passes away first. And then, after all borrowers pass away, heirs have several options including selling the home and keeping the proceeds, paying off or refinancing the home, or simply turning the home over to the lender which results all outstanding debt is forgiven.

We offer help with no strings attached

A reverse mortgage isn’t always the best choice. We can help you sort out your options and see if it’s a good fit for your situation. We understand how big of a decision this should be for you and as a result, we are absolutely transparent with you about the pros and cons of your options.

A few reasons our senior clients choose to work with us

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Compassion

Everyone’s story is different and we try to put ourselves in the shoes of our clients to see things from their perspective. Only then can we best serve them.

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Integrity

We believe in a straight-forward, service oriented approach to helping our clients. The ultimate goal is to improve people’s quality of life. If a reverse mortgage won’t accomplish that, we’ll be up-front about it.

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Knowledge

We are problem solvers and experts in our field. We pride ourselves in knowing the ins and outs of the mortgage products we employ and the process in which they are employed.

Life’s about to get a lot easier

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