If you live in Florida and want to work with a local reverse mortgage specialist you have come to the right place. Because we are local, we can meet with your face to face in the comfort of your own home or at one of our mortgage offices located throughout Florida.

We specialize in the Home Equity Conversion Mortgage or HECM (HECK-UM), also known as a reverse mortgage. It is all we do. When you work with us you know that you are working with loan officers that are going to be able to answer all your questions. And not only answer your questions but structure the loan in a way that will meet your financial needs now and into the future.

What Sets Us Apart from Other Reverse Mortgage Lenders in Florida

We are a direct lender – What that means is that originate, process, underwrite, fund and service all our loans. The last part, we service our loan, we have found is very important to our clients in Florida. They want to know that they will be working with us for the life of their loan.

We are referral based – Unlike several other lenders, we don’t spend millions of dollars a year on advertising. Because of this we can pass those savings on to you in the form of better interest rates and lower fees.

Continuous training – Our loan officers are required to attend continuous training on the reverse mortgage loan options as well as advanced planning and utilization techniques to ensure all of our clients in the Florida area are being served in the best way and their reverse loans are structured properly.

It is usually tricky to make a decision whether applying for a reverse mortgage in is the appropriate choice. Coming to the best decision as to whether or not this type of mortgage loan is right for you, the advice from a reverse mortgage specialist is really important.

Our mortgage officers are dedicated to following our code of conduct and ethics policies. They have to tell you about all the terms and conditions of the home loan clearly and with the greatest regard of your needs and goals. None of our experts are permitted to steer you into additional products or mortgage loans that are not beneficial to you and not really in your best interest. We feel our pricing and interest rates are some of the best in the industry, nevertheless, you should feel free to comparison shop to be sure you are receiving the best deal. You should never feel guilty about just saying no, you want to make the right decision as to whether this is the loan for you.

Acquiring understanding about this product is essential to everything. You’ll want to spend as much time as necessary doing research so when you contact one of reverse mortgage lenders in you are able to feel more confident about questions you might have.Not only will doing research make you well informed in making a decision, but it can also help you save time and money. An excellent starting point is our Top Ten Reverse Mortgage Questions.

A reverse mortgage isn’t really for all people. You should evaluate each of the options available. For many, this is often the only option. However, if, a reverse mortgage could meet your needs, we invite you to give us a call. You’re able to talk with a local lender who can explain each part of the process and help answer every question you may have. To have a much better idea of the way we work with our customers and how we function as a company, go through our Ethics Policy.

What is a Reverse Mortgage?

Very simply, it is just like a regular mortgage with the exception that there are no monthly mortgage payments required. You still need to pay property taxes, insurance and maintain the home.
It is regulated by HUD and insured by FHA.

The Basics
• At least one spouse must be 62 or older.
• Your home in Florida must be your primary residence.
• You can get a loan on a single family, multifamily up to 4 units, town home, HUD approved manufactured home and FHA approved condominiums.
• You will be required to attend counseling from a HUD approved counselor.
• You must continue to pay your property taxes, insurance and other property charges.
• The amount you can borrow is based on the youngest persons age, home value and current interest rates.
• You can access your home equity as a lump sum, line of credit, month payments for as long as you live in the home, monthly payments for a specific period of time or a combination of those options.

Have Questions About Getting a Reverse Mortgage in Florida?

There is no doubt that you have questions about getting a reverse mortgage in Florida. We are happy to answer every question you have about this loan product.

Questions like:
• What is the downside to a reverse mortgage?
• What are the pros and cons of a reverse mortgage?
• How much can you borrow with a reverse mortgage?
• Is the reverse mortgage a good idea?
• Does it make sense to get a reverse mortgage?
• Does my home in Florida qualify for a reverse mortgage?
• How does a reverse mortgage work?
• Are there risks to getting a reverse mortgage?
• What happens to the reverse mortgage when I die?
• Is the reverse mortgage a good fit for me?

While there are general answers to these questions. The answers will vary from each individual person. This is why you should talk with one of our local Florida experts so you can get a personalized answer to your unique situation.

Just in case you do not have a home in Jacksonville, I also help out borrowers throughout these locations: Bellair-Meadowbrook Terrace, Fruit Cove, Oakleaf Plantation, Palm Valley, Yulee, Nocatee, Fernandina Beach, World Golf Village, Ormond Beach, Holly Hill The one thing we have been told by our customers again and again is that using the services of someone local is extremely important for them. Truth be told all of us understand this. Why would you do business using someone over the phone when you can seek advise from somebody in Jacksonville in person?