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Do you qualify for a NO COST REVERSE MORTGAGE?
Do you qualify for a NO COST REVERSE MORTGAGE?
Like many Americans, your house is your greatest asset. You’ve invested years building equity in your home. Now, it’s time to put that home equity to work for you. Learn about the tools available to help you tap into this valuable resource. Collaborate with trusted advisors to develop a solid financial plan that will enable you to retire with more. Retire better.
We collaborate to design and implement ANY type of mortgage program, forward or reverse, that will solve their client's problems. You and your family can contact Marc directly and receive the same one on one personal service that trusted advisors rely on for their clients.
We collaborate to design and implement ANY type of mortgage program, forward or reverse, that will solve their client's problems. You and your family can contact Marc directly and receive the same one on one personal service that trusted advisors rely on for their clients.
To receive your FREE Reverse Mortgage Consult and FREE Educational eBook, simply fill out the form below. This short, informative eBook, delivered directly to your email inbox, will help answer your questions about:
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FREE Educational eBook
Reverse Your Thinking® Mortgage
Reverse Your Thinking ® Mortgage is committed to collaboratively assisting homeowners with ways to supplement their retirement income by accessing their home equity with a Reverse Mortgage. Our ultimate goal is to solve problems, create trusting relationships, and improve retirees quality of life.
Don't forget to check out our News page for up-to-date information on the latest developments in the reverse mortgage market, as well as retirement planning and elder care. You should also take a peek at our blog. People read blog posts for a variety of reasons, but gaining new knowledge is by far the most prevalent reason. Some people read to pass the time, while others read to keep up with current events and developments in areas that are important to them. Also check out our Knowledge Centre page to see if there are any resources that would be useful to your clients or you.
We’d love to hear what you think of us and where you believe we can improve. If you have any questions, please do not hesitate to contact us. Speak directly with an experienced reverse mortgage specialist. We are always willing to help! We look forward to working with you, your family, and your advisors.
You can also learn more about us by watching Trusted Advisor for Trusted Advisor Video.
We encourage you to call Marc to discuss your or your clients case without any concerns. As Bar Association, PFAC, Chamber of Commerce, AFCPE, NRMLA and FPA members, we adhere to a rigorous ethical standard.
What Others Say About Us
"Marc's very professional, very knowledgeable, and he doesn't give up. He has a lot of tools in his toolbox.If one solution doesn't fit, he's not a quitter. He'll try to figure out something else that's going to work. He just has that attitude that if there's something he can do to help you he will, and if he can't he knows somebody who can help you." - Client: Deb Lewis, Los Angeles, CA
"It worked out rather well. I'm very happy with the situation. Marc has been always available. He's been great. He's been attentive. Marc is knowledgeable, a very good communicator. And he's became sort of, I would like to say personally, a friend." - Client: Rob Corona, Topanga, CA
"If I had known when we got our first reverse mortgage, the things that I know now and just being able to have somebody like Marc to advise you and be there with you throughout the process. And even afterward, when a spouse dies or when you are a non-borrowing spouse and the importance of getting your name back on the deed and what have you. Marc is extremely knowledgeable, very well educated in this process, and does not, if you will, a fly-by-night concern. So he really understood the process, and the folks who worked with him to get all my documents and were very professional and available at any time to take my call. So just to be able to have somebody look for you, somebody knowledgeable and that cares about the process." - Client: Stephanie Hargrove, Long Beach, CA
"Mom is in a much, much better situation. She had a hard money loan. And it was paid off. And financially she's in great shape for her future. So we were happy with Marc and how he guided her to where she needed to be with this reverse mortgage." Client - April Luttrell, Los Angeles, CA
"My grandmother had passed away. She had a reverse mortgage and left the property to my father. My father needed to take out a reverse mortgage himself, so that he could put the property the reverse his name. It was a unique situation we were in and possibly going to lose the home based on timing. With the pandemic, things got pushed around and moved around. When it came to timing, suddenly, it came up on us, and we had to act quickly. He was very quick, and was really very open and fantastic communication. Very upfront and honest about the process, what we needed, what was going to happen and what the final outcome would be. I wish we had found him sooner. Obviously it was a timing issue on our end, but he did a fantastic job." Client - Nicole Hernandez, San Pedro, CA
Read More About Reverse Your Thinking® Mortgage's Mission
Don't forget to check out our News page for up-to-date information on the latest developments in the reverse mortgage market, as well as retirement planning and elder care. You should also take a peek at our blog. People read blog posts for a variety of reasons, but gaining new knowledge is by far the most prevalent reason. Some people read to pass the time, while others read to keep up with current events and developments in areas that are important to them. Also check out our Knowledge Centre page to see if there are any resources that would be useful to your clients or you.
We’d love to hear what you think of us and where you believe we can improve. If you have any questions, please do not hesitate to contact us. Speak directly with an experienced reverse mortgage specialist. We are always willing to help! We look forward to working with you, your family, and your advisors.
You can also learn more about us by watching Trusted Advisor for Trusted Advisor Video.
We encourage you to call Marc to discuss your or your clients case without any concerns. As Bar Association, PFAC, Chamber of Commerce, AFCPE, NRMLA and FPA members, we adhere to a rigorous ethical standard.
What Others Say About Us
"Marc's very professional, very knowledgeable, and he doesn't give up. He has a lot of tools in his toolbox.If one solution doesn't fit, he's not a quitter. He'll try to figure out something else that's going to work. He just has that attitude that if there's something he can do to help you he will, and if he can't he knows somebody who can help you." - Client: Deb Lewis, Los Angeles, CA
"It worked out rather well. I'm very happy with the situation. Marc has been always available. He's been great. He's been attentive. Marc is knowledgeable, a very good communicator. And he's became sort of, I would like to say personally, a friend." - Client: Rob Corona, Topanga, CA
"If I had known when we got our first reverse mortgage, the things that I know now and just being able to have somebody like Marc to advise you and be there with you throughout the process. And even afterward, when a spouse dies or when you are a non-borrowing spouse and the importance of getting your name back on the deed and what have you. Marc is extremely knowledgeable, very well educated in this process, and does not, if you will, a fly-by-night concern. So he really understood the process, and the folks who worked with him to get all my documents and were very professional and available at any time to take my call. So just to be able to have somebody look for you, somebody knowledgeable and that cares about the process." - Client: Stephanie Hargrove, Long Beach, CA
"Mom is in a much, much better situation. She had a hard money loan. And it was paid off. And financially she's in great shape for her future. So we were happy with Marc and how he guided her to where she needed to be with this reverse mortgage." Client - April Luttrell, Los Angeles, CA
"My grandmother had passed away. She had a reverse mortgage and left the property to my father. My father needed to take out a reverse mortgage himself, so that he could put the property the reverse his name. It was a unique situation we were in and possibly going to lose the home based on timing. With the pandemic, things got pushed around and moved around. When it came to timing, suddenly, it came up on us, and we had to act quickly. He was very quick, and was really very open and fantastic communication. Very upfront and honest about the process, what we needed, what was going to happen and what the final outcome would be. I wish we had found him sooner. Obviously it was a timing issue on our end, but he did a fantastic job." Client - Nicole Hernandez, San Pedro, CA
Read More About Reverse Your Thinking® Mortgage's Mission
We want to hear from you !
Retirement researchers make a new case for reverse mortgages.
Like many Americans, your house is your greatest asset. You’ve invested years building equity in your home. Now, it’s time to put that home equity to work for you. Learn about the tools available to help you tap into this valuable resource. Collaborate with trusted advisors to develop a solid financial plan that will enable you to retire with more. Retire better.
A growing number of retirement researchers, such as Harold Evensky, John Salter, and Wade Pfau, have carried out a significant amount of research to evaluate the benefits and drawbacks of a reverse mortgage. In addition to the potential uses for it and the value it adds to the retirement income distribution planning. All of these highly respected researchers have reached the same conclusion, which is that the reverse mortgage credit line provides particular value as a tool that can increase the likelihood of successful client outcomes and legacy value.
How can a reverse mortgage be a tool for retirement?
“A fiduciary planner has to look out for the best interests of their clients. As a side effect, the best interests of the planner can be served through research that shows how the legacy value of assets can be improved by a reverse mortgage.” —Wade D. Pfau, Ph.D., CFA, Professor of Retirement Income, The American College
According to Wade Pfac, leading expert in legacy wealth planning. As of September of 2018, The results of studies conducted over the past few years have, in general, indicated that this conventional wisdom is limiting and unproductive. Beginning the process of getting a reverse mortgage sooner and planning out your spending from the equity in your home over the course of your retirement will help you fulfill your spending goals while also leaving a larger legacy. Utilizing one's assets in a manner that paves the way for increased spending and/or increased legacy-leaving capacity is the essence of retirement-income efficiency.
The value of any remaining financial assets along with the value of any remaining home equity after the reverse mortgage loan balance has been repaid is what is referred to as legacy wealth. Since money can be exchanged for other forms, it is not particularly relevant important to know the exact ratio of financial assets to remaining home equity. Only the combined weight of these two aspects will be considered significant in the final analysis.
HECM Line of Credit: A unique safety net offering a growth feature and flexible repayment
With its flexible payment options, a HECM can give eligible clients more financial control and can help you design more solutions for your clients. It can serve as an excellent risk management tool that can help keep productive assets under your management and help their portfolios last longer.
Wade Pfau states, “The line of credit provides a way to create a more efficient retirement income strategy while also serving as a hedge if the client’s home value were to fall. It is essentially a put option on the value of the home.”
Right size into a home that is right for you.
You can also use a reverse mortgage to help you purchase a new home. With the HECM for Purchase option, you’ll need cash or equity from a prior home to put down a relatively large down payment, and you can use the reverse mortgage to finance the rest of the home purchase.
Jumbo Reverse Mortgages are available for High-Valued homes if you choose to Age in Place.
Some reverse mortgage lenders have developed their versions of the government-backed home equity conversion mortgage (HECM) product in response to the substantial increase in home property values in particular regions of the United States. This is their answer to the federally insured HECM reverse mortgage loan, which can only cover a certain amount of a home's value.
These programs have the same safety provisions as the FHA (federal housing administration) HECM program. Like the FHA loan, this loan is still non-recourse. The title stays in the homeowner’s name, the children still inherit, and so on with non recourse loans.
What is significantly different is that we can use full property values of up to $10 million to make a loan of up to $6 million. There are no monthly payment requirements for these jumbo reverse mortgage loans.
Repaying the Loan
Loan repayment is not due as long as you meet the loan obligations.
When it comes time to repay the loan, neither you nor your heirs will be obliged to pay more than the home's current market value. Even if the outstanding balance on your mortgage is more than the home's value, the loan will be paid off as long as you or your heirs decide to sell the home. Best of all, any remaining equity goes to you or your heirs once the loan is repaid.
For heirs wishing to keep the home, a larger legacy offers an extra bonus of additional financial assets after the loan balance has been repaid. The home is not lost.
A growing number of retirement researchers, such as Harold Evensky, John Salter, and Wade Pfau, have carried out a significant amount of research to evaluate the benefits and drawbacks of a reverse mortgage. In addition to the potential uses for it and the value it adds to the retirement income distribution planning. All of these highly respected researchers have reached the same conclusion, which is that the reverse mortgage credit line provides particular value as a tool that can increase the likelihood of successful client outcomes and legacy value.
How can a reverse mortgage be a tool for retirement?
“A fiduciary planner has to look out for the best interests of their clients. As a side effect, the best interests of the planner can be served through research that shows how the legacy value of assets can be improved by a reverse mortgage.” —Wade D. Pfau, Ph.D., CFA, Professor of Retirement Income, The American College
According to Wade Pfac, leading expert in legacy wealth planning. As of September of 2018, The results of studies conducted over the past few years have, in general, indicated that this conventional wisdom is limiting and unproductive. Beginning the process of getting a reverse mortgage sooner and planning out your spending from the equity in your home over the course of your retirement will help you fulfill your spending goals while also leaving a larger legacy. Utilizing one's assets in a manner that paves the way for increased spending and/or increased legacy-leaving capacity is the essence of retirement-income efficiency.
The value of any remaining financial assets along with the value of any remaining home equity after the reverse mortgage loan balance has been repaid is what is referred to as legacy wealth. Since money can be exchanged for other forms, it is not particularly relevant important to know the exact ratio of financial assets to remaining home equity. Only the combined weight of these two aspects will be considered significant in the final analysis.
HECM Line of Credit: A unique safety net offering a growth feature and flexible repayment
With its flexible payment options, a HECM can give eligible clients more financial control and can help you design more solutions for your clients. It can serve as an excellent risk management tool that can help keep productive assets under your management and help their portfolios last longer.
Wade Pfau states, “The line of credit provides a way to create a more efficient retirement income strategy while also serving as a hedge if the client’s home value were to fall. It is essentially a put option on the value of the home.”
Right size into a home that is right for you.
You can also use a reverse mortgage to help you purchase a new home. With the HECM for Purchase option, you’ll need cash or equity from a prior home to put down a relatively large down payment, and you can use the reverse mortgage to finance the rest of the home purchase.
Jumbo Reverse Mortgages are available for High-Valued homes if you choose to Age in Place.
Some reverse mortgage lenders have developed their versions of the government-backed home equity conversion mortgage (HECM) product in response to the substantial increase in home property values in particular regions of the United States. This is their answer to the federally insured HECM reverse mortgage loan, which can only cover a certain amount of a home's value.
These programs have the same safety provisions as the FHA (federal housing administration) HECM program. Like the FHA loan, this loan is still non-recourse. The title stays in the homeowner’s name, the children still inherit, and so on with non recourse loans.
What is significantly different is that we can use full property values of up to $10 million to make a loan of up to $6 million. There are no monthly payment requirements for these jumbo reverse mortgage loans.
Repaying the Loan
Loan repayment is not due as long as you meet the loan obligations.
- Living in the home as your primary residence,
- Continuing to pay required property taxes and insurance,
- Maintaining the home according to FHA requirements.
When it comes time to repay the loan, neither you nor your heirs will be obliged to pay more than the home's current market value. Even if the outstanding balance on your mortgage is more than the home's value, the loan will be paid off as long as you or your heirs decide to sell the home. Best of all, any remaining equity goes to you or your heirs once the loan is repaid.
For heirs wishing to keep the home, a larger legacy offers an extra bonus of additional financial assets after the loan balance has been repaid. The home is not lost.
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Mathius Marc Gertz MBA, AFC®, CDLP®, CREV, CAPS | DRE #01999021 | NMLS #1125159 | Team Reverse Your Thinking®
E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS# 1416824. Equal Housing Lender
Branch: 18071 Fitch, Suite 200, Irvine CA 92614
Reverse Your Thinking ® | Copyright 2018-2024 | Sitemap | Website by Rhonda May
E Mortgage Capital, Inc. is a full-service mortgage company that offers extensive options for residential mortgages, with quick service and leading rates
For State Requirements, go to https://www.emortgagecapital.com/licensing
DISCLAIMER: All rights reserved. For information purposes only. This is not an offer to enter into an agreement. This is not a commitment to lend or extend credit. NOT all customers will qualify.
Information, rates and programs are subject to change without notice. All products are subject to credit and property approval and lender underwriting.
Other restrictions and limitations may apply. For licensing information, go to: www.nmlsconsumeraccess.org
Designated trademarks and brands are the property of their respective owners. This site should not be considered an advertisement in the following states: AZ, CA, Fl, IA, MN, NJ, SC, WI.
No mortgage loan applications for properties located in these states will be accepted through this site.
SAYWHYNOT, Incorporated| DRE # 02139767 | NMLS # 2161957 | Mailing Address: 12400 Ventura Blvd Suite 222, Studio City, CA 91604
Branch: 1620 Broadway Suite E, Santa Monica, CA 90404
Mathius Marc Gertz MBA, AFC®, CDLP®, CREV, CAPS | DRE #01999021 | NMLS #1125159 | Team Reverse Your Thinking®
E Mortgage Capital, Inc. d/b/a E Mortgage Capital, NMLS# 1416824. Equal Housing Lender
Branch: 18071 Fitch, Suite 200, Irvine CA 92614
Reverse Your Thinking ® | Copyright 2018-2024 | Sitemap | Website by Rhonda May
E Mortgage Capital, Inc. is a full-service mortgage company that offers extensive options for residential mortgages, with quick service and leading rates
For State Requirements, go to https://www.emortgagecapital.com/licensing
DISCLAIMER: All rights reserved. For information purposes only. This is not an offer to enter into an agreement. This is not a commitment to lend or extend credit. NOT all customers will qualify.
Information, rates and programs are subject to change without notice. All products are subject to credit and property approval and lender underwriting.
Other restrictions and limitations may apply. For licensing information, go to: www.nmlsconsumeraccess.org
Designated trademarks and brands are the property of their respective owners. This site should not be considered an advertisement in the following states: AZ, CA, Fl, IA, MN, NJ, SC, WI.
No mortgage loan applications for properties located in these states will be accepted through this site.
SAYWHYNOT, Incorporated| DRE # 02139767 | NMLS # 2161957 | Mailing Address: 12400 Ventura Blvd Suite 222, Studio City, CA 91604
Branch: 1620 Broadway Suite E, Santa Monica, CA 90404
