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REVERSE MORTGAGE EXPERTS

                 How should I spend my money?

There are perhaps as many reasons to do a reverse mortgage as there are senior  
homeowners. You may find the extra money obtainable with a Reverse Mortgage to be
of great benefit to your wants and needs. We have had the honor of assisting seniors whose reason for getting a reverse mortgage ranged from serious financial crisis to the whimsical.

For seniors from all walks of life the reverse mortgage is a life changing event. Our clients and their families tell us that by eliminating concerns about their finances they achieved incredible peace of mind. They no longer go to bed at night worrying about, "What if." What if the car breaks down? What if I need some home repair? What if my family is faced with a crisis and needs my help? What if my health takes a turn?

The, "what ifs" turn into "wouldn’t it be nice." Wouldn’t it be nice to eliminate my mortgage payment so I can retire? Wouldn’t it be nice to spend more time traveling with my friends or to see family? Wouldn’t it be nice to not have to worry about gift giving at holidays? Wouldn’t it be nice to simply enjoy life a bit more without the constant concern about outliving my money?

The following are only a few of the many ways seniors have used their reverse mortgage proceeds:

• Eliminate a current mortgage
  
• Create additional monthly tax-free income
  
• Save a home from a foreclosure
  
• Pay for a personal or family emergency
  
• Pay off high interest debt
  
• Pay for home repairs and property taxes
  
• Fund in-home health care
  
• Fund premiums for Long-Term Care Insurance
  
• Purchase Life Insurance
  
• Provide a living legacy to children and grandchildren to help purchase a home, go to college, or provide annual tax free gifts
  
• Use the home’s equity instead of drawing down taxable or higher earning assets
  
• Use the tax free proceeds in my estate planning to increase my wealth transfer, and reduce estate taxes
  
• Increase your tithe and other charitable giving
  
• Purchase a RV or vacation home
  
• Travel
  
• Attend more sporting events, the theater or the symphony
  
• Simply gain the peace of mind knowing you have cash available whenever and for whatever reason you may need.

                It's YOUR Home, YOUR money, Enjoy it!