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
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.
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
grows between 5-6% a year guaranteed compound interest
Quiz: Do You Qualify?
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.
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