HOPE AND FLEXIBILITY IN YOUR PARENTS' 

GOLDEN YEARS

Traveling | Giving Back | In Good Health | 

Living Close to Family

 

Many seniors have one major asset in retirement, their home; often it is being underutilized as a financial tool.

And that's a shame.

BECAUSE THEY WANT TO SPEND THEIR GOLDEN YEARS TRAVELING, GIVING BACK, OR CLOSE TO FAMILY. 

BECAUSE THEY WORKED HARD TO GET THIS FAR.

BECAUSE THEY ARE WORRIED ABOUT OUTLIVING THEIR MONEY.

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 are not utilizing it. We are out to change this.

Senior homeowners who utilize their largest asset in retirement are able to age in place and enjoy their

golden years.

 

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 increase their cash-flow in retirement.  

Professional Endorsements

"Kevin is great at educating clients regarding their home financing options and helping them choose the best program, term and payment for their situation. We have
closed on time and he has kept me in the loop regarding the transaction, which I appreciate."

—  Carey Goldberg, Realtor

Real Customers

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 determine if this would work for your parents.

Next, we work with them to collect and submit documentation. We are patient and understanding.

We stay in contact and keep everyone informed of any conditions. We will guide them through the entire process.

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

stress-free as possible. 

Last, we close on the loan. The proceeds are available for use.*

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

IMAGINE THE FINANCIAL BURDEN LIFTING.

Many say they rest easier at night after closing. 

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! 

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We promise to never send spam or sell your information. 

CONTACT
HOURS

Phone: (719) 302-5820

Toll-Free: (877) 251-9709

Email:  kguttman@ENBColorado.com

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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