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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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Mortgage Products

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.

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.

Hybrid ARMs

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

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.

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.

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.

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.

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.

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.

Reverse Mortgages

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

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

Refinance Fee Update

Mortgage giants Fannie Mae and Freddie Mac just announced in August that they are raising fees for lenders on all mortgage-refinances. This change is designed to shield them from the additional risk brought on by the coronavirus pandemic and the secondary mortgage market. Their price adjustment adds 0.5% of the loan amount to the consumer’s cost.

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What is a Reverse Mortgage?

There are two types of reverse mortgages – • There is a Home Equity Conversion Mortgage (HECM), which in its simplest definition is a loan that is government-insured by HUD and is regulated by the U.S. Federal Housing Authority (FHA), and • A Proprietary Reverse Mortgage, which is a reverse mortgage originated by a mortgage…

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