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Sarae is joined by Denver Community Credit Union's VP of Lending, Katrina Morton, to discuss in the ins and outs of second mortgages. We discuss how they work, what questions to ask, and the different types of terms that are generally available, so that you can decide if a second mortgage is a good fit for you.
Sue Brown and Jean Freeman with Brown and Freeman are back on the show for this segment on reverse mortgages. What is a reverse mortgage, who benefits from them, and how much money can you realize from using this program? Join us to hear more.
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CONTACT INFO FOR TODAY'S GUEST:
Brown and Freeman, LLC
Independent Financial Advisors
1600 Airport Freeway, Suite 207
Bedford, TX 76022
OUTTRO MUSIC BY:
JACK T. BLUES
in Real Estate
Today on "It's My House" we shall discuss the most dangerous financial product that exist; The Reverse Mortgage. This type of loan product is CRIMINAL for the following reasons:
It targets individuals who can not pay it back.
Many of the "Targeted Individuals" have health problems and some have mental health issues.
Reverse Mortgages are "Weaponized" loan products which are used to either bankrupt or hijack the estate of the family of people involved.
Feel free to call in with your questions or comments.
in Real Estate
founder, managing partner Bayshore Mortgage Funding Reverse Mortgage Division
takes us through the steps of a reverse mortgage and reverse purchase without having
to make mortgage payments. Mr. Sless is actively involved in the business as well as
public speaking to educate homeowners 62 and above about reverse mortgages. His knowledge
spans over 12 years in the industry starting out working in the traditional mortgage business as
a loan officer, then managing loan officers, then branching out into reverse mortgages as he saw
a need to help people make their money work for them.
Now more than ever with pensions going away and many gone, Steven
says "this is a life altering event, taking away the daily stress."
The scheme created on Wall Street is starting to unravel. They are fast losing ground --- and the new question is what difference does it make if you say that the borrower stopped paying when you have no right to collect or enforce the loan? And where is the creditor who CAN enforce the debt? The banks and servicers' answers were accepted as gospel until the last year when things started to turn. Listen to tonight's show and learn how consumer loans were hijacked and who are the real losers.
Join Host Nicole Brandon for 90 minutes at 4 PM Eastern.
Host Nicole Brandon is one of the most sought after speakers in the world today. From Health, and Wellness to Wealth and Ultimate Success her seemingly unlimited well of information is simply mind boggling.
Please visit Nicole's website:
Nicole's Guest: Charles Guinn - Reverse Mortgages
I help people with reverse mortgages. My concierge method is to meet each person interested in learning about reverse mortgages. By finding out their financial position, what's important to them, their lifestyle goals and their visions and plans for the future, I am able to help them understand if a reverse mortgage is a right fit exclusively for them. Working as a Reverse Mortgage Banker, I have a great range of control over the loan options available for all my clients.
I was first licensed in Real Estate by the California DRE in 1975, later by the CA Department of Insurance and the Securities and Exchange Commission, with extensive experience in in Direct, Trusted Adviser Sales and Sales Management in the Real Estate, Mortgage, and Insurance Industries.
Now, using the vast experience gained over the past three decades I can positively help people over 62 years of age with their retirement. By reviewing their financial position, their needs, and their goals, we can formulate a plan for their future and make an objective decisions to see if a Reverse Mortgage would help them out. My goal is to make life easier and the future better for every client I meet
The Home Equity Conversion Mortgage (HECM) is FHAs reverse mortgage program which enables you to withdraw some of the equity in your home. The borrower chooses how they want to withdraw their funds, whether in a fixed monthly amount or a line of credit or a combination of both. Borrowers can also use a Home Equity Conversion Mortgage to purchase a primary residence if the borrower is able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property that is being purchased.
As the demographics of the nation continues to trend towards older homeowners, this could be an area of high growth for mortgage originators and investors.
Joining the broadcast to discuss Home Equity Conversion Mortgages is David Fontanilla, Founder and Managing Partner of Madison Paige Capital and Pioneer Analytics. David has been involved in an array of residential mortgage capital markets activities, ranging from structuring, negotiating and executing portfolio Acquisitions, dispositions and securitizations to company acquisitions and public policy formulation.
The House of Restoration Ministry a/k/a THOR is Private Membership Association Ministry who studies, shares, provides a forum for Consumers to get support from other members regarding abusive debt collection. THOR covers information pertaining to alleged foreclosures, credit cards debts, student loans, auto loans, etc. Being a Consumer can be a challenging situation, being an educated consumer can be a "POWERFUL" position if used correctly. "THOR & BROTHER SHARIF" will peel back the layers of the Debt Buying arena and you will be surprised at who pulls the strings to this Debt Collector Puppet. The Consumers need to be aware what they are up against, and how to prepare against their Adversary(s). The debt collection business is big business and the Consumers is a big target, if you are not educated, poised, armed, confident, spirited, and prepared, you will be forced into economic conditions not conducive to your lifestyle. Are you ready???? Today we will provide show filled with entertainment, laughter, consumer information, recent cases and news, along with the Lesson of the day. JOIN US!! We are not attorneys and do not give legal advice!!
in Real Estate
Ron Siegel of Anaheim Hills CA and Krista Lombardi of San Diego, CA discuss: current events, financial markets, politics, and even poking fun at the rest of the media in a live radio broadcast from Anaheim CA on ESPN and NBC Talk Radio.
Ron and Krista discuss: The 15 Year Mortgage is it good and are the commercials geared to “Bait and Switch”; What Happens When You Stop Communicating With a Real Estate Listing Agent; How Many Visits to a Newly Purchased $1M+ Home Does It Take to Place a Coffee Maker; 5 Reasons You Should Sell Now; 6 Credit Cards That Can Help Get Your Debt Under Control; USA Today, Reverse Mortgages Help Retirees; Mortgage Minute; Your Credit Matters; Real Time Real Estate; Word on Wealth; The SLT will Provide a Complementary Real Estate Action Plan (R.E.A.P.) Semi-Annually, and so much more.
Ron Siegel, consumer advocate and mortgage lender, discusses anything that affects the roof over your head, your bank account or other items that will benefit you / your family.
Reach Ron at
· Award Winning www.SiegelLendingTeam.com at VIP Mortgage
· Twitter: @RonSiegel
Do you want to own the home of your dreams but overwhelmed by the financial "process" to get there? My guest Kelly Byrne Lee will be talking her passion helping others obtain mortgages.
Kelly Byrne Lee is an experienced home financing professional committed to providing exceptional service from application to closing. As a Home Mortgage Consultant, Kelly strives to present her clients with a wide range of products, programs, and services available to help meet their ever-changing needs.
Kelly believes that customer satisfaction begins with placing the utmost importance on providing each client with the information they need to select a loan that fits their situation. Kelly works to ensure a smooth and uncomplicated home loan process by helping her borrowers feel comfortable in their choice of home financing products, and by providing prompt communication and feedback throughout the transaction. Kelly's ultimate goal is to retain customers for a lifetime and earn the referral of their friends and colleagues. She wants to be your mortgage coach for life.
Kelly's 18 years of mortgage lending experience has given her an understanding of the commitment and efficiency her clients demand. She has earned repeated recognition as a Leaders Club and Presidents Club member for her outstanding performance. She's actively involved in her community, too, serving as Board Member for Women In Networking and as Youth Sports Coordinator at a local church. Kelly holds a B.A. in Accounting from Bellarmine University in Louisville
THE MORTGAGE INDUSTRY HAS EXPERIENCED UNPRECEDENTED CHANGE.OVER 265 LENDERS ARE GONE. GUIDELINES HAVE BEEN CHANGED.UNDERWRITING HAS TIGHTENED. WHAT WILL THIS "NEW ERA" IN MORTGAGE LENDING LOOK LIKE?FIND OUT EVERY SUNDAY AT 1PM. HOMEOWNERS NEED OBJECTIVE AND INSIGHTFUL ANALYSIS."INSIDE MORTGAGES" WILL TAKE A TIMELY AND RELEVANT LOOK AT REAL ESTATE FINANCING FROM AN INSIDER'S PERSPECTIVE.THE BLOG:http://inside-mortgages.blogspot.com .YOUR HOST IS COREY ROCKAFELER