Discover the underserved market


Many qualified buyers do not know they can use a HECM to buy or build a new home.

And that's a shame.

Seniors may look to downsize, relocate or upsize, but do not know they can do so with equity they already own.

Studies show that seniors are open to relocate but may be held back by financing.

It’s frustrating for builders and real estate agents who are looking for more clients, but may not be able to reach clients on the retirement end of the spectrum.

We believe real estate agents and builders should know about the untapped market because so many seniors are already qualified.


A Home Equity Conversion Mortgage (HECM) is insured by FHA and helps retirees buy or build a new home.

Kevin A. Guttman is a Certified Reverse Mortgage Specialist with a passion for helping homeowners in retirement age in place in a home they love.  

Listing Income Calculator

See how much more you could earn by tapping into this underserved market. Use the Free Income Calculator and to see the potential!

We can help you increase your income and help more people. Click the button below to schedule a time to chat. 

Click here to see the sales income calculator. You could get both sides!


 Because everyday 10,000 people turn 62.

Because you can help more people and earn more income by serving seniors. 

Because you can potentially get both sides.  

Working with Kevin

Kevin and I closed a challenging transaction on time exceeding mine and the buyers expectations. Always available to answer questions and always behaving with utmost honesty and integrity. He is an outside of the box thinker backed up by an excellent company.

—  Tina Swonger, Realtor

Here's How It Works

First, we determine what sort of financing options are available to your client. This is an informational, no-obligation meeting with the client.

Once we know what the client qualifies for, you do what you do best: help them find the perfect home.

We work directly with the client to collect necessary documentation. 

We handle of all the processing, compliance and underwriting. 

You will be informed throughout the process.

Last, we close on the loan. The client lives in their home and you have a happy homeowner.  


For the right client, a HECM

can be a game-changer!

We Promise

  • When you call, we call back same day.

  • We listen first, to understand your client's needs. 

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

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

  • We are here to help you and your client understand their financing options.

Let's chat. Ask all your questions and determine if this is a way you can grow your business.

Sales Income Calculator

See how much more you could earn by tapping into this underserved market. Use the Sales Income Calculator to see the potential on the sales side of the transaction!

We can help you increase your income and help more people. Click the button below to schedule a time to chat. 


Phone Toll-Free: (833) 693-7848


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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