Mortgage Blog

Create your own Safe, Cost Effective Government-Insured Annuity today

When we hear the annuity pitch it starts out like this:  Put a lump sum down in your early fifties and when you turn 65 you will begin to receive monthly payments.  How much will I receive per month? Well that depends on the index, like the S & P 500 or which one you chose, and how much money you put down.  Then you have to read the fine print, park it on your kitchen table, and think about it.   Would an annuity be better than maybe buying ten blue chip dividend paying stocks and simply putting them aside and allowing them to grow over the same term?  Maybe an ...

July 18th, 2016 | supplemental retirement income, Retirement Planning, Seniors, reverse credit line, Reverse Mortgage, HECM Reverse Mortgage, Annuity, Government insured mortgage, lifetime income with a Reverse, Create your own Safe, Cost Effective Government-Insured Annuity today

Top 5 Strategies to Protect Your Money from Medicaid

I am constantly hearing about asset protection strategy regarding Medicaid or other entitlement programs. If you go too far on the strategy you could end up with only two beans in your pocket. Not everyone is comfortable with giving funds away and the five year lookback applied can be limiting. Now I don’t claim any expertise on asset protection regarding entitlement programs. My only suggestion would be not to rule out all of your options when you plan. For instance, you can use a government insured reverse mortgage to pay off an existing mortgage and free up monthly funds for living. I...

April 15th, 2016 | supplemental retirement income, Retirement security, Retirement Planning, Reverse Mortgage, HECM Reverse Mortgage, Annuity, Seniors, Top 5 Strategies to Protect Your Money from Medicaid

The Aging Revolution

With 10,000 people retiring every day since 2004 that would hardly seem like a revolution. However, when you see Private Equity creating companies and catapulting into the Senior Assisted Living arena it’s a different dynamic.  Private Equity often has first mover advantage when there is a large new undiscovered business opportunity. It’s a perfect example of the free market at its best. As an example, several recently formed Private Equity companies have cascaded into the residential real estate market and have aggregated thousands of residential properties into ...

June 4th, 2013 | Reverse Mortgage, Annuity, Retirement Planning, Home Care, The Aging Revolution

"Annuitization" a Critical Component of a Successful Retirement Plan.

  I didn’t think that was a word either but according to Morningstar and the attached comprehensive retirement planning video, it is.   Your retirement, whether it be for you, a client, or a family member, is all part of a plan that is supported by pillars much like legs under a stool. This is your foundation and, as illustrated in the video, it must be solid for success.   What is the number one nemesis that almost everyone one of us will fear as we grow older? Will it be the fear of dying? No, we will fear running out of money and outliving our resour...

April 24th, 2013 | Annuity, HECM Reverse Mortgage, Retirement Planning, Reverse Mortgage, supplemental retirement income, home equity access, "Annuitization" a Critical Component of a Successful Retirement Plan.

American Senior-HECM Reverse Mortgage to Purchase a New Home. Dig Deep and Eliminate Income Insecurity without Sacrificing your Ambition

With the constant struggle for everyone in this low interest rate environment we all have to work smarter, not harder to achieve our goals. This is especially true for retirees that no longer earn wages from employment and have to make due with income from Social Security and their savings. In spite of this challenge, opportunity and flexibility are still abound if you know where to look. Allow me to introduce you to a HECM for Purchase mortgage. Most people have never heard of this and they immediately assume there is some mechanism of refinancing their existing home to bu...

January 11th, 2013 | Reverse Mortgage, Retirement Planning, Annuity, supplemental retirement income, Reverse to Purchase Mortgage, Retirement income insecurity, American Senior-HECM Reverse Mortgage to Purchase a New Home. Dig Deep and Eliminate Income Insecurity without Sacrificing your Ambition

Amazing Benefits of a Reverse Mortgage-Lifetime Annuity!

A reverse mortgage is a loan designed to allow seniors to maximize the equity in their homes by accessing flexible credit in unique ways that were not previously available.   The flexibility of the funding options for a Reverse Mortgage are tremendous. Money can be taken out up front in conjunction with an annuity. A key benefit is that the annuity is for your entire remaining life and the life of your surviving spouse, no matter how long you live, as long as both of you are on the loan. Alternatively, you can choose to start with an unused credit line that grows each y...

November 7th, 2012 | Annuity, Reverse Mortgage, Retirement Planning, Amazing Benefits of a Reverse Mortgage-Lifetime Annuity!

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Jefferson Mortgage Group LLC

2536 Leeds Rd.
Oakton, Virginia 22124
703-319-2198
FAX: 703-773-6946
info@jeffersonmortgage.com
NMLS: 935554

Located in Fairfax County, Virginia. Serving all of Virginia, Maryland, DC & Pennsylvania. 

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Jefferson Mortgage Group LLC is licensed in Virginia, Maryland, DC & Pennslvania.
Virginia State Corporation Commission License Number MC-5659 and the Pennsylvania Department of Banking & Securities #46259 
The DC Department of Insurance, Securities, and Banking License #MLB935554
Maryland DLLR License #21586

An Equal Housing Lender

By refinancing the consumer's existing loan, the consumer's total finance charges may be higher over the life of the loan.

This material is not from HUD or FHA and has not been approved by HUD or any government agency.