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Reverse Mortgage: A Cost-Effective Tool for Long Term Care Insurance.

How can we establish a cost effective mechanism for long term care insurance?  I have been told by several financial advisors that nobody wants to pay premiums for long term care insurance that they may never use.  Unless you set this up early,

May 21, 2014 | Reverse Mortgage HECM Reverse Mortgage Retirement income insecurity Long Term Care

Reverse Mortgage - Essentially a Housing Put!

How many of you would have loved to have had an affordable means of effectively purchasing a Put Option on your primary residence insured by FHA, prior or even during the housing crisis? This is what a reverse mortgage provides for eligible homeowner

Apr 23, 2014 | Retirement Planning Reverse Mortgage supplemental retirement income HECM Reverse Mortgage lifetime income with a Reverse

HECM for Purchase

Statistics show a large number of home buyers paying cash for homes.  Is this the best strategy for retirees and older active adults?  Many people, regardless of their age, have been having difficulty obtaining a mortgage.  Once a mortgage

Mar 21, 2014 | FHA Government insured mortgage Reverse Mortgage Retirement Planning Reverse to Purchase Mortgage HECM Reverse Mortgage HECM to Purchase HECM for Purchase

Are Banks Too Big To Fail or Too Big to Follow The Rules?

How should we feel about homeowners possibly not getting a fair shake with their lenders? I think we can all agree that it is pretty clear that underwater homeowners and those struggling to make their payments want to be treated fairly.  Here is wher

Mar 05, 2014 | Short Sales Mortgage Loan Process Traditional Mortgage

FINRA - Friend or Foe??

In the world of financial products, especially for seniors and retirees, a financial endorsement or cautionary note from an organizational body such as FINRA (Financial Industry Regulatory Authority) can make or break perception.  Until recently FINR

Feb 21, 2014 | Retirement Planning Reverse Mortgage HECM Reverse Mortgage supplemental retirement income FINRA

Where Does One Turn First Absent the Mortgage Debt Relief Act?

Many are beside themselves while others have expressed a sense of panic to me regarding the expiration of the Mortgage Debt Relief Act and their decision to do a short sale.  The law, or otherwise termed grossly generous entitlement, is over.  I

Feb 12, 2014 | Short Sales forgiven mortgage debt solutions for underwater properties mortgage debt relief act mortgage debt forgiveness act

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