You have a right to know I am a commission salesperson. For over a decade I’ve specialized in Home Equity Conversion Mortgages (that’s the reverse mortgage insured by the federal government). While I live and work in Vermont, I’m able to do business in most of the United States through my team at my employer, Retirement Funding Solutions, Inc..

This website and the statements found on it are my own based on my experience and that of the 100’s of clients I have worked with. They are therefore, my sole opinion and do not represent the views of my employer, nor am I a spokesperson for the reverse mortgage industry.

Others, both inside and outside the reverse mortgage industry may well hold other views. There may well be better, more thoughtful or more accurate answers to the questions posed than found here.

Time and space limit answers on the site. Visitors are encouraged to contact me directly for a more complete answer or to delve deeper into HECMs. They are also encouraged to seek the advice and include those whose advice they value in all financial decisions. Take your time learn, the facts and, most of all, understand what you problem you are trying to solve as well as the consequences of that decision.

Phew! Now the lawyers are happy. Thanks for visiting the site and I look forward to hearing what you think of it. Your input is the only hope of making better. Please help us help others.