Information for Adult Children

  • Tips To Prepare Your Home For A Reverse Mortgage Appraisal

    After you fill out the application for a reverse mortgage, with the help of a trusted and reputable reverse mortgage specialist, an appraisal of your home needs to be conducted. This can be a nervous moment to have a stranger come into the home you have enjoyed for many years for the purpose of evaluating it. Since you […]

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  • How A Reverse Mortgage Can Help You Age At Home

    As you grow older your needs of body, mind and heart change, sometimes requiring assistance. Have you considered a reverse mortgage to help you with this assistance to stay in your home, instead of moving where that is provided like assisted living or nursing home? This is a very possible option for those who wish to remain […]

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  • I Have A HELOC On My Home – Can I Get A Reverse Mortgage?

    The short answer is – absolutely.  And as a matter a fact, reverse mortgages are great options to eliminate HELOC payments. A HELOC is the acronym for Home Equity Line of Credit, and thousands in the Fort Collins and Loveland cities have taken advantage of it. When the housing boom was in full swing a number […]

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  • 5 Quick Facts About Reverse Mortgage in Colorado

    The Reverse Mortgage, created to aid the realization of retirees dreams, will be in your face if you have approached, or are approaching, the eligible age of 62. As with the all special offers across Colorado, marketing can promote it in such a way as to allure you – or to terrify you. There are […]

    more...

  • How Adult Children Can Help Their Parents With A Reverse Mortgage

    Perhaps your parents raised you in the home they are now ambling about. As you see them begin to slow, or have to jump on a plane every time they wish to see you, thoughts of helping them to have an easier time come across your mind. After all they deserve at this time of […]

    more...

  • Understanding Identity Theft

    What is Identity Theft? According to the 1998 Identity Theft and Assumption Deterrence Act identity theft is when someone “knowingly transfers or uses, without lawful authority, a means of identification of another person with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of federal law, or that constitutes a felony […]

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  • Considering Options: Nursing Home vs Reverse Mortgage

    In our society, the elderly and nursing homes go hand in hand.  But when speaking with elderly people, one of their biggest fears is being placed into a nursing home.  Who can blame them?  According to National Center on Elder abuse, one study interviewing 2,000 nursing home residents reported that 44% said they had been abused and […]

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  • Exploring Reverse Mortgage and Divorce

    It’s becoming more and more common for seniors to divorce after retirement.  This is happening for various reasons, but a big one is that retirement now last for decades versus only years, and many people are looking to make those golden years the best yet. But senior divorces can get messy, as there are often […]

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  • Can I Sell A Home With An Existing Reverse Mortgage

    Typically when a senior takes out a reverse mortgage loan on a home, they intend to age there.  But on occasion and for various reasons, the homeowners wants to or needs to sell the home before the loan comes due and payable.  So, what now? Although this is an important factor, it’s not nearly as daunting as it […]

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  • What Does it Mean When a Reverse Mortgage is FHA Insured?

    If you’ve taken the time to learn even a little bit about a reverse mortgage, it’s likely you’ve heard the term “FHA insured” at least a couple of times.  But what exactly does it mean? Homeowners 62 and over, with significant equity in their home, may be eligible for a reverse mortgage.  These loans are typically insured by […]

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  • Will A Reverse Mortgage Affect Social Security, Medicare & Pension?

    A very common concern among seniors and adult children when considering a reverse mortgage is how it will affect social security, medicare, and even certain pensions.  For many seniors, these benefits are a large part of their income. Fortunately, because the funds from a reverse mortgage are NOT considered taxable income, a borrower’s benefits will not be affected when taking out a […]

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  • Can Reverse Mortgage Help You Achieve Your Retirement Vision?

    In an era where “retirement” has taken on whole new meaning and commonly lasts for two or three decades, more and more retirees are ready to live the latter part of their life to the fullest.  They see this as a time to enjoy life after years of working and raising a family.  But in order to […]

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  • 3 Things to Do with a Reverse Mortgage in Colorado

    One of the best parts of a reverse mortgage is the borrower(s) can do anything they’d like with the funds – while also living mortgage payment free.  In Colorado, seniors are more active than ever, whether it be traveling, home improvements, or visiting with family and grandchildren often.  As several Colorado cities always make the list of the best […]

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  • Dissecting The Differences In Reverse Mortgage Professionals

    When you start navigating the waters of reverse mortgages, you will undoubtedly come across MANY different companies and individuals ready and willing to help.  Flashy ads, website calculators, famous spokesmen, and more.  But who are all these people?  And what is the difference between them?  How do you know what is the best fit for YOU? […]

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  • What Will I Be Responsible For After I Get A Reverse Mortgage?

    Reverse Mortgages have helped millions of seniors live more plentiful lives as they age.  Homeowners and their spouses over the age of 62 are eligible for Home Equity Conversion Mortgages (HECM), but although they will NOT have a monthly mortgage payment to pay, they are still responsible for some financial obligations regarding the home.  These include: […]

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  • Here’s How To Know If Your Home Qualifies For A Reverse Mortgage

    Reverse Mortgages are a specialized loan available to seniors 62 and over.  This creative resource is used by a wide demographic – from those looking to supplement a fixed income, to the more affluent in need of protection for retirement assets, and even those wanting to purchase a home in retirement.  But there are some requirements when it comes […]

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  • Tips to Navigating Your Loved Ones Aging in Place

    As you watch your parents or loved ones age, it can often be a struggle to determine the best option for their long term housing. Should they age in place in their home? Should you make space in your home for them? Should they move to a long-term care facility? Or should they move to […]

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  • What Is Required Reverse Mortgage Counseling?

    Prior to being approved for a reverse mortgage, HUD’s Federal Housing Administration (FHA) requires each borrow to participate in a counseling session with an approved agency. These not-for-profit agencies are funded by the federal government and work closely with both the FHA and lenders to ensure a smooth process. The goal of this session is […]

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  • Three Things You Never Knew About A Reverse Mortgage

    Reverse mortgages are available to senior homeowners 62 and over, even married couples.  The borrower will live mortgage payment free and always retain the title to the home.  There are many myths and misconceptions that surround reverse mortgages – but there are also some not-so-known perks to the loans.   Here are my top three: 1.) Most […]

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  • Tips for Selling an Inherited Property

    Selling an inherited home can be one of the most difficult situations for both realtor and seller. It can be an overwhelming experience, filled with emotion and lots of questions. While talking about it is hard, it is smart to be prepared. This includes having conversations as a family to determine who will be included […]

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  • Should Home Equity Be Used In Retirement Planning?

    Did you know home equity can be used to reduce the overall risk of your retirement plan? Your house is a great asset that for many years has been overlooked in financial planning for seniors. This is making a sharp turn lately as retirement experts are beginning to understand how tapping into home equity via a reverse […]

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  • Everything You Need To Know About A Reverse Mortgage For Purchase

    We’re all familiar with the two most common options to purchase a home – take out a mortgage loan or pay cash.  But for seniors 62 and over, there’s another option – the Reverse Mortgage for Purchase program (aka HECM for Purchase). Looking for a home in Fort Collins, Loveland or Longmont, Colorado but finding it’s […]

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  • Will My Home Qualify for a Reverse Mortgage

    Reverse Mortgages are a specialized loan available to seniors 62 and over.  This creative resource is used by a wide demographic – from those looking to supplement a fixed income, to the more affluent in need of protection for retirement assets, and even those wanting to purchase a home in retirement.  But there are some requirements when it comes […]

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  • What Responsibilities Will A Reverse Mortgage Borrower Have?

    Reverse Mortgages have helped millions of seniors live more plentiful lives as they age.  Homeowners and their spouses over the age of 62 are eligible for Home Equity Conversion Mortgages (HECM), but although they will NOT have a monthly mortgage payment to pay, they are still responsible for some financial obligations regarding the home.  These include: […]

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  • Tips for Adults with Aging Parents

    With the holidays behind us, it’s not uncommon for adult children to reach out to me to discuss a reverse mortgage as an option to help their aging parents.  They often spend a little more time with family and may realize things are changing with their parents and in their home.  Here are my tips […]

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  • A Look At Data and Housing Desires of Retirees

    If you find yourself yearning for a retirement of comfort in your own home in a community you love, you are definitely not alone.  Here are some pretty telling facts and statistics surrounding the desires of older adults in the U.S.. According to research by the American Association of Retired Persons (AARP): Nearly 90 percent […]

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  • Should You Stay Put During Retirement?

    Retirement has evolved over the past few decades.  At one time it was assumed you’d live with your adult children or in a senior home as you age.  At another time, dreams of moving far away to warmer climates and lush golf courses was the trend.  And now, the preference is staying at home and […]

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  • Tips For Adult Children When Considering A Reverse Mortgage With Your Parents

    If you are concerned for your aging parents or relatives as their home becomes too much to manage or too difficult to move about, reverse mortgage may be an option.  It is common for adult children to look into the reverse mortgage process for their parents and help them make the right decision.  Here are […]

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  • Can I Sell My Home If I Have A Reverse Mortgage Loan?

    For many that obtain a reverse mortgage, the plan is to stay and age at home, but sometimes reasons come up that the homeowner will want or need to sell the home.  Is this possible if there is a reverse mortgage on the home?  And what does it look like? Can a home with a […]

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  • Gray Divorce Rates Are Climbing – Can Reverse Mortgage Help?

    A brand new Pew Research poll highlighted a very interesting trend among divorce in the United States – while divorce rates have drastically declined among younger adults, it’s nearly doubled among adults 50 and over in the past 25 years.  The truth is, it’s becoming more and more common for seniors to divorce after retirement. […]

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  • What Happens To The Reverse Mortgage After The Borrower Moves Out Or Passes?

    A common question and concern surrounding reverse mortgage is what will happen to the home after the homeowners pass away?  Will the bank take possession?  Will it be allowed as inheritance?  Will it be possible to keep the home in the family?  Will the family of he deceased be held liable?  These are very valid […]

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  • Should You Use A Reverse Mortgage To Fund In-Home Care?

    According to statistics, there’s a 70% chance seniors over 65 will need some sort of long term care such as in-home care, skilled nursing, or assisted living at some point during their lives.  Although there are various ways to pay for such care, like Medicare, Medicaid, or health insurance, these options often come with limits and […]

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  • What is a HUD Eligible Home for Reverse Mortgages?

    Reverse Mortgages are a specialized loan available to seniors 62 and over.  This creative resource is used by a wide demographic – from those looking to supplement a fixed income, to the more affluent in need of protection for retirement assets, and even those wanting to purchase a home in retirement.  But there are some requirements when it comes […]

    more...

  • How to Use Home Equity for Retirement Security

    Did you know home equity can be used to reduce the overall risk of your retirement plan? Your house is a great asset that for many years has been overlooked in financial planning for seniors. This is making a sharp turn lately as retirement experts are beginning to understand how tapping into home equity via […]

    more...

  • HUD Secretary Ben Carson On Reverse Mortgages

    Every four years, we’re guaranteed a presidential election, and every eight years we’re guaranteed a new president.  2016’s presidential election saw one of the most divisive shifts in federal policy in a very long time.  This certainly put many industries on edge, wondering what it would mean for them.  HUD secretary, Dr. Ben Carson, recently […]

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  • Should You Pay Cash For Your Retirement Home or Consider a Reverse Mortgage for Purchase?

    In this day and age, buying a home with cash is rare.  And not because of the reasons you may think – such as who has that much cash nowadays?  Well, that is part of the reason, but it’s a little more complicated than that.  Those who have a substantial amount of cash are finding […]

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  • What’s So Great About a Reverse Mortgage Line of Credit?

    The HECM Reverse Mortgage Line of Credit is still relatively new, and to this day many within the financial and retirement industries haven’t fully grasped how it works.  Well, they need to get on board because consumers are interested – and they should be.  Here’s why.. First, what is a line of credit?  Simply put, […]

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  • Understanding Different Reverse Mortgage Professionals

    When you start navigating the waters of reverse mortgages, you will undoubtedly come across MANY different companies and individuals ready and willing to help.  Flashy ads, website calculators, famous spokesmen, and more.  But who are all these people?  And what is the difference between them?  How do you know what is the best fit for […]

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  • Today Show : Part 3 – Helping Parents Make Legal, Medical, and Financial Decisions

    Recently, financial expert, Jean Chatzky, did a three part series on the Today Show called “Taking Care of Mom & Dad”.  Each of these segments specifically touched on real questions adult children have regarding what to expect as their parents age. The video featured here is Part 3 – Helping Parents Make Legal, Medical, and Financial […]

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  • Today Show : Part 2 – Is A Reverse Mortgage Right For Your Aging Parents?

    Recently, financial expert, Jean Chatzky, did a three part series on the Today Show called “Taking Care of Mom & Dad”.  Each of these segments specifically touched on real questions adult children have regarding what to expect as their parents age. The video featured here is Part 2 – How to Handle the Cost of Aging […]

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  • Today Show : Part 1 – How To Help Your Aging Parents Find The Best Place To Live

    Recently, financial expert, Jean Chatzky, did a three part series on the Today Show called “Taking Care of Mom & Dad”.  Each of these segments specifically touched on real questions adult children have regarding what to expect as their parents age. The video featured here is Part 1 – How To Help Your Aging Parents Find […]

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  • Should You Refinance Your Reverse Mortgage Loan?

    Reverse mortgages are for seniors 62 and older, including married couples, and were once considered a life line. Times have changed, and now reverse mortgages are regularly being incorporated into retirement planning.  But refinance a reverse mortgage?  It’s not something you hear about often, or maybe you don’t even realize it’s an option.  And why […]

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  • Are You Ever Too Old For A Reverse Mortgage?

    The minimum age for a reverse mortgage loan is 62, but what about a maximum age?  Is anyone ever too old for a reverse mortgage?  I don’t think so, although it won’t be right for everyone.  Reverse mortgages are available to homeowners, or those seeking to purchase a home, who are 62 and older, including […]

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  • Applying for a Reverse Mortgage : What to Expect

    If you’ve reached the point you are ready to apply for a reverse mortgage, you have likely done a fair amount of research (and if you haven’t, feel free to read through the informational articles here on my blog).  So what comes next? Here’s a quick run down of what to expect… Age qualifications.  You’re […]

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  • What To Know About Reverse Mortgages And Taxes

    There are many differences between a reverse mortgage and a traditional mortgage – and taxes are a big one.  Here’s a run down of what to expect come tax time if you have a reverse mortgage. The Tax Liability Issue Because any funds you receive from a reverse mortgage are essentially an advance on your […]

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  • Reverse Mortgage Tips for Married Couples

    It’s not uncommon to hear heartbreaking stories of reverse mortgages that left a spouse in dire straits after the other spouse passed away.  How could this happen?  Is it something that you need to worry about?  If you and your spouse are considering obtaining a reverse mortgage, it’s important to understand the long term effect […]

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  • Should Your Elderly Parent Age In Place?

    As you watch your parents or loved ones age, it can often be a struggle to determine the best option for their long term housing. Should they age in place in their home? Should you make space in your home for them? Should they move to a long-term care facility? Or should they move to […]

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  • Why You Should Pay Off A Traditional Mortgage With A Reverse Mortgage

    A recently released university report by the Michigan Retirement Research Center and funded by the Social Security Administration showed that 55% of those utilizing a reverse mortgage are using some of the proceeds to pay off a traditional mortgage. So, when is this a good strategy? 1.) They’re living in a house they can’t afford When […]

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  • Use a Reverse Mortgage Line of Credit to Fund In-Home Care

    According to statistics, there’s a 70% chance seniors over 65 will need some sort of long term care such as in-home care, skilled nursing, or assisted living at some point during their lives.  Although there are various ways to pay for such care, like Medicare, Medicaid, or health insurance, these options often come with limits […]

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  • How to Help Your Parents with a Reverse Mortgage

    A reverse mortgage could be the perfect fit for your parents. Get tips on how to help them get a reverse mortgage in Greeley and Windsor, CO

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  • Common Questions about Reverse Mortgage from Adult Children

    It’s common for adult children to be skeptical of reverse mortgages in Northern Colorado, so I’ve answered some of the most common questions.

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  • Reverse Mortgage in Colorado – 5 Quick Facts

    The Reverse Mortgage, created to aid the realization of retirees dreams, will be in your face if you have approached, or are approaching, the eligible age of 62. As with the all special offers across Colorado, marketing can promote it in such a way as to allure you – or to terrify you.   There […]

    more...

  • How Reverse Mortgage Helped a 100 year old Man Age at Home

    Awhile back I closed a reverse mortgage loan for a 100 year old gentleman.  This was my first time closing a loan for someone of his age.  He lives at home with 24 hour care at a cost of $10,000 a month.  When I was sitting at the closing table with the client and his lawyer, […]

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  • Do You Need A Colorado Elder Law Attorney?

    Elder law is a relatively unknown segment of law and is often overlooked when seeking legal solutions.  But for some seniors and their families an elder law attorney may be exactly what they need.  Elder law is very broad and includes things like estate planning, probate, guardianship, real estate, nursing home neglect and a dozen […]

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  • What Happens to a Reverse Mortgage After the Owners Pass?

    A common question and concern surrounding reverse mortgage is what will happen to the home after the homeowners pass away?  Will the bank take possession?  Will it be allowed as inheritance?  Will it be possible to keep the home in the family?  Will the family of he deceased be held liable?  These are very valid […]

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  • Are You Prepared to Take Care of Your Parents?

    The cost of eldercare is staggering.  And so is the toll it takes on an adult child.  Are you prepared for either?  Or both?   A recent MetLife study estimated that the total cost incurred by the caregiver alone (not including the costs directly related to care) is an average of $324,044.  The financially impact can be […]

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  • What Adult Children Need to Know about Reverse Mortgage

    As your parents age, their needs will inevitably change. And as they change, your need to consider options with them will increase. While these conversations may be the first of their kind, it will also be a chance to offer support. Reverse mortgage could be a viable option to meet everyone’s wishes, especially your parents. […]

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  • What Adult Children Need to Know About Reverse Mortgage

    If you are concerned for your aging parents or relatives as their home becomes too much to manage or too difficult to move about, reverse mortgage may be an option.  It is common for adult children to look into the reverse mortgage process for their parents and help them make the right decision.  Here are […]

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  • Reverse Mortgage and Your Taxes

    It’s tax time in Northern Colorado, and if you have a reverse mortgage or are considering one, there are a few simple things you should know.

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  • Nursing Home vs Reverse Mortgage

    Nursing homes are a part of western culture, but should they be relied upon so much? Reverse mortgage offers a solution to aging at home.

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  • I Have A Reverse Mortgage On My Home – Can I Still Sell It?

    If you have a reverse mortgage on your home you can still sell it just like with any other mortgage. But there are a few things you’ll want to know.

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  • Reflecting on the Holidays and Elderly Family

    For those who visited their elderly family this year it may have left some questions to be answered. For many, reverse mortgage may offer a solution.

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  • What is an FHA Insured Reverse Mortgage Loan?

    Most reverse mortgages in Longmont, Colorado are insured by the FHA. But what exactly does this mean? Read on to find out…

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  • Can a Reverse Mortgage Provide Financial Security for Life?

    The reverse mortgage of today is NOT your mother’s reverse mortgage.  The once shamed program is now helping seniors from all different walks of life fill retirement gaps and provide protection and stability through their golden years. Financial advisers and retirement planners are beginning to incorporate a reverse mortgage into retirement portfolios at the beginning of retirement, […]

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  • What Happens to a Reverse Mortgage After Owners Pass?

    One of the scariest parts of a reverse mortgage is the unknown about what will happen to the home in the future. Get the facts in Longmont, CO.

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  • Reverse Mortgages Helping the Elderly Age at Home

    Ageing at home has a multitude of benefits for many older individuals. Reverse mortgage in Longmont, Colorado can help make this happen.

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  • How Prepared Are You If Your Spouse Dies? Part 1

    The loss of a loved one is not something we want to think about, but unfortunately it’s something we need to be prepared for.

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  • Reverse Mortgage Funds In-Home Senior Care

    Colorado Reverse Mortgages help seniors use the equity in their homes to age in place while receiving medical care via in-home senior care.

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  • Reverse Mortgage and the Alternatives

    For seniors in Laramie, Wyoming who are looking to utilize their home equity, a reverse mortgage should be considered before the alternatives.

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  • Reverse Mortgage and the Married Couple

    Married couples in Greeley, CO are eligible for a reverse mortgage just the same as individuals, but there are a few things you want to know.

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  • Reverse Mortgage Questions Answered for Adult Children

    Adult children have many questions surrounding reverse mortgage in Fort Collins, Colorado and we have the answers to some of the most common.

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  • Reverse Mortgage – How Adult Children Can Help Their Parents

      Perhaps your parents raised you in the home they are now ambling about. As you see them begin to slow, or have to jump on a plane every time they wish to see you, thoughts of helping them to have an easier time come across your mind. After all they deserve at this time […]

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  • Adult Children and Reverse Mortgage in Longmont, Colorado

    When considering a reverse mortgage in Longmont, Colorado many adult children will have serious questions. We can answer those for you.

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  • First a Vision, Then a Plan – Reverse Mortgage a viable option

    A the face of retirement changes in Loveland, Colorado so do the needs of seniors. Reverse mortgage can help.

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  • Unexpected benefits of Reverse Mortgage – Stay at home!

    Reverse mortgages help seniors avoid nursing homes by allowing them to fund in home care in Longmont and Boulder County, Colorado.

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  • Win – Win with a Reverse Mortgage

    In Fort Collins, Colorado a reverse mortgage or HECM for purchase can be a win – win situation for all involved.

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  • Nursing Homes, In-Home Care & Reverse Mortgage

    Did you know when speaking with elderly people, one of their biggest fears is being placed into a nursing home? A reverse mortgage can help.

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  • Reverse Mortgage for Purchase – from a Client’s Perspective

    This first hand account of how the decision to go with a Reverse Mortgage for Purchase instead of paying cash for a home changed their course is really impressive.

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  • Should Seniors Buying a Home Use A Reverse Mortgage for Purchase?

    Senior borrowers, 62 and over, can use a reverse mortgage for purchase to buy a home in Longmont, Colorado. Here’s why they should consider it.

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  • Reverse Mortgages Can Eliminate House Payment

    Whether looking get out of HELOC debt, eliminate mortgage payment, or help with a modification reset, reverse mortgages in Longmont, CO can help.

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  • Maturity Date versus Maturity Event in Reverse Mortgage Loan

    A maturity event and maturity date are different in Fort Collins, Colorado. Learn which is right for northern Colorado seniors.

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  • A Great Solution for Seniors : Reverse Mortgage

    Reverse mortgage can finance in-home care to avoid nursing homes or pay for medical care, and fund home modifications in Fort Collins, Colorado.

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  • 5 Things You Should Know About A Reverse Mortgage

    Senior homeowners in Greeley, Colorado are bombarded with reverse mortgage marketing. I’ll help you filter through the hype & answer common questions.

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  • Reverse Mortgage for the Married Couple

    Married couples are seeking reverse mortgages more often in Loveland and Fort Collins, Colorado. Make sure to work with a reputable lender and know the facts.

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  • Can a Reverse Mortgage Help a Loved One this Holiday Season?

    Many adult children in Loveland, CO compare reverse mortgage, in home senior care, and assisted living for elderly loved ones during the holidays.

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  • How Reverse Mortgage Helped a 100 year old Man Age at Home

    A 100 year old gentleman recently wanted to continue to age at home and reverse mortgage gave him that opportunity in the Loveland, Colorado area.

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  • Reverse Mortgage Helps Widow Buy a Home

    Reverse Mortgage for Purchase helps elderly widow buy a new home near family, even when the median home price is substantially higher than current location.

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  • Marisol Senior Living Community in Loveland, Colorado

    Marisol is a community designed for seniors 55 and older with options such as apartments, duplexes, and single family homes. Reverse mortgage is a viable option.

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  • Summer Vacation, Adult Children, and Reverse Mortgage

    As summer vacation ends, manyadult children visited with their aging parents and may be wondering if a Loveland, CO reverse mortgage is right for them.

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  • How Reverse Mortgage Works in Fort Collins, CO

    Reverse Mortgage helps seniors and retirees in Fort Collins and Loveland, Colorado maintain their lives in the area they love…

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  • Reverse Mortgage a Lifeline for Seniors with Modest Means in Loveland Colorado

    For many seniors in Loveland and Fort Collins, Colorado the federal reverse mortgage program is a proving to be a much needed lifeline.

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  • Finding a Reverse Mortgage Lender

    Finding a reverse mortgage lender in Fort Collins, Loveland and Greeley Colorado can be daunting. Understand what to look for in a lender.

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  • Reverse Mortgages Helping the Eldery Age at Home

    Reverse Mortgages are helping seniors age at home using in-home senior care versus traditional nursing homes.

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  • Is In-Home Senior Care Right For You?

    In today’s fast-paced society, seniors are more independent than ever before.  Many develop strong community ties, visit with nearby family frequently and even open their homes to out-of-state family, embrace a close circle of friends, and through options such as reverse mortgage, are able to stay in their homes comfortably for far longer than ever […]

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  • Are Reverse Mortgages an Under-Utilized Lifeline?

    Two or three decades ago, the idea that an elderly couple or individual could live comfortably in their home far beyond retirement was practically unheard of.  Preparing for aging meant retirement homes, assisted living, or moving in with adult children.  Now today people are living longer and healthier lives than ever, but on the flip-side, […]

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  • Frequently Asked Questions – Part 3

    This is the third in a three part series of frequently asked questions about Reverse Mortgage.  You can find Part 1 here and Part 2 here.  If you have questions that are not currently listed, please don’t hesitate to contact me directly.   Will I Lose My Government Assistance If I Get a Reverse Mortgage? […]

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  • Changes to Social Security for 2013

      The beginning of 2013 brought about several changes to everything from health insurance to tax code to social security benefits.  While the majority of these changes have been small and will affect seniors very little, a few of them will directly impact recipients of social security benefits.  Here’s what to expect:   Extended online […]

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  • Home for the Holidays and Reverse Mortgage

    While Christmas 2012 turned into New Year’s 2013, many families came together to celebrate the holidays.  Adult children enjoyed spending time with their aging parents or relatives.  Grandchildren and great-grandchildren had their cheeks pinched and were forced to eat spoiled left overs from the fridge (we’ve all been there, right?)  For some spending time with […]

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  • Responsibility as a Reverse Mortgage Holder

      Reverse Mortgages have helped millions of seniors live more plentiful lives as they age.  Homeowners and their spouses over the age of 62 are eligible for Home Equity Conversion Mortgages (HECM) regardless of income and credit.  But although they will not have a monthly mortgage payment to pay, they are still responsible for some […]

    more...

  • Reverse Mortgage Tips for Married Couples

      It’s not uncommon to hear heartbreaking stories of reverse mortgages that left a spouse in dire straits after the other spouse passed away.  How could this happen?  Is it something that you need to worry about?  If you and your spouse are considering obtaining a reverse mortgage, it’s important to understand the long term […]

    more...