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REVERSE MORTGAGE SPECIALIST

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Member of: NRMLA, AARP, National Aging in Place Council, National Care Planning Council, FAMP, Royal, Palm Association of Realtors.

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NMLS License #499320

NMLS License #1819310

NAR License #258006473

FAR License #3078731

FOFR #LO15072

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Mortgage Products

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Fixed Rate Mortgages (FRM)

The most common type of loan option, the traditional fixed-rate mortgage includes monthly principal and interest payments which never change during the loan’s lifetime.

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Adjustable Rate Mortgages (ARM)

Adjustable-rate mortgages include interest payments which shift during the loan’s term, depending on current market conditions. Typically, these loans carry a fixed-interest rate for a set period of time before adjusting.

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Hybrid ARMs

Hybrid ARM mortgages combine features of both fixed-rate and adjustable rate mortgages and are also known as fixed-period ARMs.

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HARP 2.0

HARP 2.0 is a refinance option for homeowners that are “underwater,” meaning they owe more on their home than their home is worth.

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FHA Loans

FHA home loans are mortgages which are insured by the Federal Housing Administration (FHA), allowing borrowers to get low mortgage rates with a minimal down payment.

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VA Loans

VA loans are mortgages guaranteed by the Department of Veteran Affairs. These loans offer military veterans exceptional benefits, including low interest rates and no down payment requirement. This program was designed to help military veterans realize the American dream of home ownership.

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Physician Mortgages

A physician mortgage loan is an exclusive type of home financing designed to meet the unique financial needs of physicians, dentists, and other eligible medical professionals.

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Interest Only Mortgages

Interest only mortgages are home loans in which borrowers make monthly payments solely toward the interest accruing on the loan, rather than the principle, for a specified period of time.

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Balloon Mortgages

Balloon mortgages include a note rate that remains fixed initially, and the principal balance becomes due at the end of the mortgage term.

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Reverse Mortgages

Reverse Mortgages allow senior homeowners to convert a portion of their home equity into cash while still living in the home.

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Graduated Payment Mortgages

Graduated Payment Mortgages are loans in which mortgage payments increase annually for a predetermined period of time (e.g. five or ten years) and becomes fixed for the remaining duration of the loan.

RECENT NEWS & EVENTS

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US housing market is short 5.5 million homes, NAR says

Lobbying organization is calling on “major national commitment” to build housing in US June 16, 2021, 4:03 pm By Tim Glaze The National Association of Realtors says the current state of the housing market is absolutely “dire,” the consequence of a housing shortage 30 years in the making. According to the lobbying group, construction of long-term housing fell 5.5…

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NAR: Vacation Home Sales Rose 16.4% in 2020

By Kerry Smith Lee County tops NAR’s list of U.S. counties for the highest increase in vacation home sales, with Collier County also making the top 10 list. In 2020, vacation home sales were 5.5% of total existing-home sales; in 2019, they were 5%. Vacation home median prices were up 14.2%. WASHINGTON – Vacation homes…

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Should You Rent or Buy Your Next Home in Retirement?

by: Patricia Mertz Esswein The housing market is hot, and it’s a great time tosell your home. Still, if you’re thinking about renting your next one, consider the tradeoffs. Renting temporarily is fine if you want to try a new location or if you anticipate moving frequently early in retirement. But the longer you rent in…

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