Traveling? Giving Back? In Good Health? 

Living Close to Family?


Most people have no idea they can generate cash-flow in retirement by accessing

equity they already own.

And that's a shame.

But inflation, unexpected expenses,

and market downturns put pressure on

fixed incomes.

The limitation of living on a fixed income leaves many people worried, anxious, and stressed. 

They are house rich, but cash poor. And the solution is right in front of them, but they do not have access. We are out to change that.

We believe homeowners who qualify should have access to use their equity as cash-flow tax-free in retirement.


A Home Equity Conversion Mortgage (HECM) is insured by FHA and can help retirees utilize their home equity, a previously non-liquid asset. 

Kevin A. Guttman is a HECM Vice President with a passion for helping senior homeowners maximize their cash-flow in retirement.  

Real Customers

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

Here's How It Works

First, we 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.

Next, we work with you to collect and submit documentation. All borrowers must complete required third-party counseling.

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. 

We stay in contact and you will be notified of any conditions. We will guide you through the entire process.

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. 

3 Ways to Access Equity Tax-Free

For years, you've been paying on your house.
Now, your house will pay you.



receive proceeds one time



monthly proceeds

Line of


grows between 5-6% a year guaranteed compound interest

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're here to help you understand.

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

Free eBook Download

Download Betty's Story for free! 

Enter your email address below and receive the free downloadable eBook: Betty's Story. 

We promise to never send spam or sell your information. 


Phone: (719) 302-5820

Toll-Free: (877) 251-9709


NMLS #384936

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DISCLAIMER: The information contained on this website are the views of Kevin A. Guttman, and do not necessarily reflect the views of Evergreen National Bank. The information contained in this website is for general information purposes only. It is believed to be reliable, but Evergreen National Bank does not warrant its completeness, timeliness or accuracy. The information on this website is not intended as an offer or solicitation for any mortgage product or any financial instrument. The information and materials contained in this website - and the terms and conditions of the access to and use of such information and materials - are subject to change without notice. Products and services described, as well as, associated fees, charges and interest rates may differ among geographic locations, offices and as a result of individual conditions. Not all products and services are offered at all locations. In no event will Evergreen National Bank be liable for any loss or damage including without limitation, indirect or consequential loss or damage, or any loss or damage whatsoever.

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