Overcome Your Biggest Financial Concerns—Discover The Benefits of a Reverse Mortgage
Helping seniors enhance their retirement lifestyle by accessing home equity safely and effectively.
Wondering how you can:
Achieve a More Financially Secure Retirement
Reduce Stress by Supplementing Your Social Security Income
Upgrade and Modernize Your Home
Visit Loved Ones More Often
Gain Peace of Mind for Unplanned Expenses
Right-Size into a home that suits your needs for the future
Concerned About Your Retirement?
Here are a few ways you can benefit:
Fund taken as a lump sum are typically used to make upgrades to a home, purchase a vacation home, consolidate debt or pay for one-time medical expenses.
*Ask about how you can use this to purchase a new primary residence!
Receive a Lump Sum
Protect your financial longevity with guaranteed monthly payments for the rest of your life. Or, just enhance your current lifestyle with additional cash flow for a set timeframe.
Additional Monthly Income
Emergency Line of Credit That Grows!
Some reverse mortgages have line of credit with an annual growth rate that continues as long as you own the home and keep the line of credit open. Ask me about how you can leverage this incredibly powerful tool.
Reverse Mortgages Explained
A reverse mortgage allows homeowners aged 62 and older to convert part of their home's equity into tax-free cash without selling the property or making monthly mortgage payments. Instead of paying the lender, you receive payments as a lump sum, monthly installments, a line of credit, or a combination of these options. Repayment isn't required until you sell the home, move out permanently, or pass away. While this offers financial flexibility to supplement retirement income, cover medical expenses, or make home improvements, interest accrues over time and reduces your home equity. You remain responsible for property taxes, homeowners insurance, and maintenance. Consulting with a professional like Todd Hanley can help determine if a reverse mortgage aligns with your retirement goals.
H4P Video Testimonial
When it comes to a successful closing, it’s not just about getting the paperwork signed—it’s about having the right people in your corner. For this transaction, Realtor® Beth Mckeone and I worked as a dedicated team, managing every unexpected twist, from major repairs to last-minute schedule changes. Beth handled so much on the back end, from the roofing to coordinating with both buyers and sellers.
There truly isn’t another team that cares as much, has the experience, and is capable of pulling everything together as effectively. Having us in our client's corner made all the difference, and I couldn’t be prouder of what we achieved together.
When it comes to securing a reverse mortgage, you deserve nothing less than the absolute best—and that's exactly why you should consult with Todd Hanley for your needs. With over 15 years of experience as a Senior Loan Officer, Todd brings unmatched expertise to the table. But what truly sets him apart is his holistic understanding of the real estate and financial landscape affecting seniors like you.
- Active Real Estate License with Seniors Real Estate Specialist (SRES) Designation: Todd holds an active real estate license complemented by the SRES designation. This means he's specially trained to address the needs of senior property owners, understanding the nuances of real estate as it pertains to your stage in life.
- Retirement Income Certified Professional® (RICP®): This designation showcases Todd's deep knowledge in retirement income planning. He possesses the expertise to ensure your reverse mortgage aligns perfectly with your long-term financial goals, providing you with stability and peace of mind and has the ability to effectively communicate with other financial professionals who are assisting you.
While Todd doesn't practice real estate, he intentionally acquired these credentials to gain a comprehensive understanding of the entire experience you're going through. His commitment to education and professional development reflects his dedication to serving you better than anyone else.
By choosing Todd Hanley, you're not just getting a loan officer; you're partnering with a seasoned professional who has equipped himself with the knowledge and skills to provide the most effective and personalized solutions for your reverse mortgage needs. His unique blend of qualifications ensures that every aspect of your journey is handled with the utmost care, expertise, and integrity.
Don't settle for ordinary when you can have extraordinary. Contact Todd Hanley today and take the first step toward a secure and comfortable retirement.
- Phone - 954-806-5114
-Todd.Hanley@uniteddirectlending.com
