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Downsize? Relocate? Upsize?

Eliminate Mortgage Payment

Seniors can increase their purchasing power, live in a newer home with more amenities in an area they choose, and not have a mandatory P.I. mortgage payment

(property tax and insurance payments are required.)





But market fluctuations, financing restrictions and available homes for purchase make finding a new home daunting.

retirement cash flow

The uncertainty of retirement cash-flow leaves many people worried, anxious, and stressed. 

There is a way to buy a new home AND protect the asset against market downturns. But hardly anyone knows about it. 

We hope to change this.

We believe homeowners should have a home and financing that suit them in retirement.


A Home Equity Conversion Mortgage (HECM) is insured by FHA and can help retirees protect their most valuable asset. 

Kevin A. Guttman is a Senior Loan Specialist with a passion for helping senior homeowners in retirement find their ideal

home financing options.

kevin guttman reverse mortgage specialis

Professional Endorsements

“Kevin Guttman and his team are very knowledgeable and helpful with every aspect of the loan process. Kevin is professional, courteous and always available to answer questions and provide guidance. He is a top notch adviser who takes the stress out of home finance. I refer him and his staff with no hesitation and great confidence!”

—  Angela Jones, Attorney

Real Customers

Bob and Regina
Real Clients

Bob and Regina

The Simple Process

Reverse Mortgage Steps

1) Get Acquainted

This is a no-obligation, complimentary, informational meeting. Nothing bought, nothing sold. The goal is to discover if this is the right product at the right time for your situation.

How long does a reverse mortgage take?

3) Underwriting & Processing

From application to closing, it is a 30-45 day process, depending on the appraisal. We'll take care of all the processing, compliance and underwriting for you. 

Reverse Mortgage Documentation

2) Counseling

All borrowers must complete required third-party counseling. We work together to collect all the necessary documentation.

Reverse Mortgage Closing

4) Closing

Last, we close on the loan. You receive the proceeds and are able to use* them how you see fit.

*the only restriction is that you may not purchase an annuity. 

What would you do if you did not have a P.I. mortgage payment? 

With the Senior Flex Loan, buy a new home and
have no mortgage payment
(property tax and insurance payments are required.)


Where is your dream destination? 

Get out of Debt

Would you sleep better without any debt? 

Help the kids and grandkids

Or support your favorite church or charity.

Quiz: Do You Qualify?

We Promise

  • When you call, you will work with and talk to the same person each time.

  • We listen first, understand your needs. We have a no-pressure policy.

  • You will get regular updates so you're informed and not left in the dark.

  • We will respond to your call, text or email the same day.

  • We educate and present options in a way that's easy to understand. No confusing industry terms. 

  • We have a no stupid questions policy. Ask away! We are here to help you understand.


As senior citizens, buying a new home these days
can be a difficult and arduous task.

So, when we decided to downsize, and buy a buy a home that met more of our physical needs, we turned to Kevin Guttman  to guide us through this process.


Kevin’s listening skills and guidance helped us deal with our concerns as we have never had a reverse mortgage before. We were pleased to learn you can purchase and finance a home with a reverse mortgage.


Kevin’s knowledge of the mortgage industry, his sincerity and values, coupled with his patience, kept us on course and helped us reach our goal of closing on time with our new home.


It is without reservation that we recommend Kevin Guttman to you for your mortgage needs.  

-EC,  Homeowner

Let's chat. Ask all your questions and we will work together to determine if this is the right option for you.  

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