Stay in the Home You Love, with Financial Peace of Mind

OUR MISSION

We strive to be your hometown lender, providing you the service you deserve with the speed you desire.

20+

Years of Experience

Happy Clients

Types of Homes Loans

WHY CHOOSE US

We Are Here to Help You Reach Your Goals

Whether you’re exploring a reverse mortgage for the first time or seeking guidance on securing your financial future, having a reliable team you can count on is essential.

We take pride in our clear communication and being easily accessible whenever you need us. Our experienced team is here to guide you through every step of the process.

Click the button below to start a conversation about your reverse mortgage options today!

Clear and Compassionate Communication

We take the time to explain every aspect of the reverse mortgage process in simple, understandable terms and we address any questions or concerns without any pressure.

Personalized Financial Assessments

We provide personalized assessments that consider your specific financial situation, goals, and needs. You received clear options and explanations of how each one aligns with your future plans, ensuring you feel confident in the decision-making process.

Transparent and Ethical Practices

We ensure that all fees, terms, and potential outcomes are communicated to you with full transparency. We demonstrate ethical practices by discussing both the benefits and potential drawbacks of a reverse mortgage, helping you make an informed decision.

Step-by-Step Guidance

We offer a step-by-step guide that walks you through the entire reverse mortgage process, from the initial consultation to the final closing. You receive regular updates, and we remain available to assist with any questions or concerns you may have.

Personalized Home Visits

We offer the option of home visits to discuss the reverse mortgage in person. This personal touch helps you feel more comfortable and secure, as you can discuss important matters in the familiarity of your own home.

Family Involvement

We encourage you to include your family members in the discussions. This approach ensures that your loved ones are informed and supportive of your decisions, fostering a sense of security and shared understanding.

Have a Question?

We're here to assist you with any questions you may have. Simply fill out the form and let us know what we can do to best assist you.

Let Us Know!

ABOUT TARA PINARD

Tara Pinard - Your Expert Lender

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How the Process Works:

Mortgage Pre-Approval

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House Shopping

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Loan Application

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WHAT’S THE BEST

Our Reverse Mortgage Programs

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Purchase New House

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Have Questions?
We Have Answers!

These are the most common questions our clients ask us when they are considering reverse mortgages for their needs:

What is a Reverse Mortgage?

A reverse mortgage is a type of loan that allows homeowners aged 62 or older to convert part of the equity in their home into cash. Unlike a traditional mortgage, the homeowner doesn’t have to make monthly payments; instead, the loan is repaid when the homeowner sells the house, moves out permanently, or passes away.

Who is Eligible for a Reverse Mortgage?

Homeowners must be at least 62 years old, have significant equity in their home, and use the home as their primary residence. Additionally, they must be able to continue paying property taxes, homeowners insurance, and maintenance costs.

How Much Money Can I Get from a Reverse Mortgage?

The amount you can borrow depends on several factors, including your age, the value of your home, the interest rate, and the type of reverse mortgage you choose. Generally, the older you are and the more equity you have, the more money you can receive.

How Will a Reverse Mortgage Affect My Heirs?

When the homeowner passes away or moves out permanently, the loan becomes due. Heirs can choose to repay the loan and keep the home, sell the home to pay off the loan, or let the lender take ownership of the home.

What Happens if the Loan Balance Exceeds the Home's Value?

What Are the Different Types of Reverse Mortgages?

The most common type is the Home Equity Conversion Mortgage (HECM), which is federally insured and available through FHA-approved lenders. There are also proprietary reverse mortgages (private loans) and single-purpose reverse mortgages, typically offered by state and local government agencies.