Our Mission

Collaborate 

I feel an obligation to work with trusted advisors to help them to do the best job possible for their clients. Sometimes this includes considering a reverse mortgage as a source of liquidity for the estate or retirement planning. My role is to be a trusted advisor for the advisor, for their clients and their families.

Educate

Honest conversation truly does shine a light on misunderstandings and erroneous beliefs. I feel that same way about sharing what I know about reverse mortgages with homeowners, their families and trust advisors. However, it all begins with trust and listening and teamwork.

Problem-Solve

I view trusted advisors as “financial physicians''. Their profession is to assess the difference between what a client has and what he wants or needs. They use questions to assess if a client has a “fever”.
​Once the medicine is administered, their client can sing, Hey, 98.6, it’s good to have you back again!

Read More About Reverse Your Thinking® Mortgage's Mission

What is a Reverse Mortgage or a HECM?

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Call Us: 310-447-5266

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The most common type of reverse mortgage is a loan insured by the Federal Housing Administration (FHA), which is also called a HECM. It allows you to access your home equity and turn it into cash. Borrowers choose a reverse mortgage because it allows them to remain in their homes, as long as they meet the loan terms, and provides funds that can greatly supplement their retirement income.

Eliminate the burden of a monthly mortgage payment, you can free up cash to cover other important expenses.* The proceeds are tax-free** and can be used in various ways, like paying health care costs or financing home renovations and afford to stay in the home you love and age in place.*

The Reverse Mortgage Specialist

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Mathius Marc Gertz

Call Us: 310-447-5266
​or make an appointment!

Reverse Your Thinking® Mortgage

Based in Santa Monica, CA, ​Reverse Your Thinking® Mortgage works with many companies. Our specialty practice is designed as a resource for legal, financial, banking and health care professionals. We work together to design and implement ANY type of mortgage program, forward or reverse, that will solve their clients problems. Now you and your family may contact Marc directly and get the same reputable personal service that professionals count on for their clients. We welcome professional as well as consumer inquires. ​

​Would you like to speak with Marc about your situation and get answers to your questions and concerns? Make an appointment to speak with Marc directly on the phone or by Zoom at no cost. ​

Request a Zoom Consult

Reverse Mortgages - Why All  The Negative Press?

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Unlike IRA, Keogh and 401k plans that have a favorable impression in most Americans minds, the HECM reverse program suffers from a bad reputation. Why is this? To understand why we need to go back to the 1960’s.

Two mortgage companies in the 1960’s came up with an idea for a new type of loan they called a reverse mortgage. Under their plan, you signed over the title to your home to the lender, the lender lets you live in your home for the rest of your life and paid you an income per month for life; and when you and you spouse passed away, the lender owned the house. Now this might be a good plan for some people but there was a problem.

Starting in the 1970’s, these reverse mortgage homeowners began to pass-away and that’s when many of their grown children found out for the first time that they weren’t going to inherit the home. There were big articles in the newspaper about it. Lawsuits, inquires, investigations and lots of negative press. By the end of the 1970’s these “reverse loans” were all but gone and an entire generation had been taught to believe that all reverse mortgages were bad. ​​

Those loans from the 1960’s have nothing in common with the HECM program loans that began in 1998 except that they use the same nickname: reverse mortgages. But the damage was done. It is important to remember that HECM loans are a piece of federal social legislation like IRA, Keogh and 401k plans and they didn’t start until 1998.

Who Can Benefit From a Reverse Mortgage

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The Safety Net Seeker

Susan was a busy exec at a fortune 500 company. Divorced and in her early 60’s she was assessing her retirement plan with her advisor. She had done well and had plenty of funds set aside for retirement. Between her pension, self-directed 401K and social security, she looked forward to a comfortable retirement. However, her advisor Karen knew that the best laid plans can go astray.....READ MORE

The Maximizer

Jeffrey wanted to make sure he would be able to maximize the income from his investment portfolio. He met with the wealth manager at his local bank and was concerned when they discussed what might happen if his stock-based portfolio should decline in a bear market. 
Jake, his banker, put him in touch with me.....READ MORE 

The Homebody

Gary and Jean had decided that they wanted to live in their current home for the rest of their lives. They had spoken to their grown sons and neither one wanted their parents’ home once they died. So, maximizing income while alive was the only consideration when they called me at their accountants advise. .....READ MORE

Is a Reverse Mortgage right for you?

Everyone's situation is different - take our Self-Evaluation and we will get in touch with you and let you know if a reverse mortgage can work for you.  If not, we will be more than happy to point you in the right direction - free of charge.

​Let us separate fact from fiction and
​Reverse Your Thinking® about Reverse Mortgages!

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