WHAT WOULD YOU DO WITHOUT A MORTGAGE PAYMENT?

Travel? Give Back? Renovate? 

 

Quiz: Do You Qualify?

Most people have no idea they can eliminate their mandatory mortgage PI payment. 

And that's a shame.

(property tax and insurance payments are still required)

BECAUSE THERE ARE PLACES TO GO,

GRANDCHILDREN TO SPOIL,

PEOPLE TO HELP & MORE!

But mortgage payments, inflation and

market downturns add pressure on

fixed incomes.

Retirement Market Conditions

The uncertainty 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 it is out of reach. We want to change that.

We believe homeowners who qualify should be able to eliminate their mandatory mortgage payment in retirement.

 

A Home Equity Conversion Mortgage (HECM) is insured by FHA and can help retirees eliminate their mandatory monthly mortgage PI payment (property tax and insurance payments are required.)  

Kevin A. Guttman is a Senior Loan Specialist but his real job is helping homeowners in retirement eliminate their mandatory mortgage payment so they can free up cash flow.

kevin guttman reverse mortgage specialis

Professional Endorsements

"My father had worked in the same factory for over 40 years. The company pension plan was somehow eliminated when the company was purchased by a foreign competitor - he was relying on Social Security to make ends meet. Once he was able to obtain a reverse mortgage his whole life improved. He was able to afford to travel and see my family twice before he passed away. My kids still recall when grandpa come to visit! I tell my clients to consider adding cash flow in retirement by contacting Kevin Guttman and using their ‘home pension fund.’"

—  Mark Olsen, Insurance Broker

Real Customers

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.

Reverse Mortgage Documentation

2) Counseling

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

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 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 mortgage payment? 

You can eliminate your mandatory monthly PI mortgage payment (property tax and insurance payments are still required.)

Travel

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.

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

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

  • You will receive regular updates so you are informed and not left in the dark.

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

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

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

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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