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(877) 567-7476 robertloans@msn.com

Aging in Place? Prepare your home and finances ahead of time

Aging in Place (AIP) is a new name for a traditional concept.  Instead of retiring to a new home, or going to a care facility as you get older, thousands of seniors prefer to prepare their own home to be better suited for them to live comfortably, in a familiar…

California home sales fall; now is the time to protect your equity.

California has enjoyed a housing boom over the last 9 years, but according to Corelogic– the premier CA-based financial and property analytics firm, the number of homes sold has fizzled over the past year.   Sales of new homes, existing homes, and condominiums have dropped by 11.8% from June 2017 to…

HECM Reverse Mortgage fees have dropped

The Home Equity Conversion Mortgage (HECM Reverse Mortgage) program was signed into law by President Reagan in February 1988.  Prior to this date, this was a bank run program and they had the power to foreclose on homeowners if they ran out of equity.  Unfortunately, some seniors ended up homeless…

Savvy realtors help more people buy homes using the HECM for purchase

Patti did a government insured reverse mortgage  years ago; it was a great fit and saved her home.  She was thinking about moving and called me to go over the details of how that would work.  Patti was surprised to hear that she could buy a home using the home…

Downsize to apartment or smaller home in retirement? Look back 15 years to see the future

I recently met with “Helen” as she was in the process of selling her home she had purchased in LA County 30 years ago.  Her home value went up a whopping $600,000 of which she will be able to keep about $300,000 after paying off mortgage and realtor fees.  Helen…

40 years later, High School Sweethearts reconnect and buy home with a reverse mortgage for purchase

On my testimonials page you will see a picture of my good friend Patti. I did a reverse mortgage for her a few years back.  She had been in a tough situation and was about to sign her house over to a company in exchange for no longer having mortgage…

Journal of Financial Planning: During market drops, using this strategy extends retirement survival by decades

For retirees with substantial investments in the stock market, February was a scary ride.  On the 5th investors held their collective breath as the Dow Jones Average free fell almost 1,600 points; marking the biggest single-day point drop in stock market history.  For those living on their stock market returns, February…

Get paid 6% compound growth on the equity in your home!

You are of Reverse Mortgage (RM) age but, you don’t need the money.  You should get a RM anyway.  There is a powerful tool in a RM called a Line of Credit Growth Rate.  On the HECM(Home Equity Conversion Mortgage) Annual program with an initial rate of 4.35% (plus monthly…

HERO/PACE loans can now be paid off with a reverse mortgage

The United States has bet heavily on solar power, to the tune of 39 Billion in annual solar subsidies.  California has also heavily invested in solar power with over $250 million dollars spent helping homeowners to install solar panels on their rooftops, energy efficient windows and doors, heating and cooling…

HTL Reverse Mortgage: Face to face service with LOW PRICE GUARANTEE

Your home holds a special place in your heart.  It is where friends come to visit, the place where your children come and bring your grandchildren for the Holidays.  It is your refuge from the chaos out in the world.  Your house is probably your largest nest-egg to help you…