Travel? Give Back? Renovate? 


Quiz: Do You Qualify?

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

And that's a shame.

(property tax and insurance payments are still required)




But mortgage payments, inflation and

market downturns add pressure on

fixed incomes.

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 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.

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

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.

2) Counseling

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

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. 

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 mortgage payment (property tax and insurance payments are still 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.

  • 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.  

Free eBook Download

Download the Free eBook: the Hidden Secret to a more comfortable retirement.

Enter your email address below to download the free ebook!

We never send spam and we'll protect your information. 


Phone Toll-Free: (833) 693-7848

Email:  help@seniorflexloan.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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