"Use Your Home to Stay at Home" ---- I specialize in FHA-insured** Reverse Mortgages in the San Francisco Bay Area.  My office is in Walnut Creek, CA.  I assist homeowners to convert a portion of their equity into cash.  My job is to help my clients decide if a reverse mortgage is truly the right thing to do.

All deed-holders must be age 62 or older. 
Homeowners retain title as long as they continue to live in their home.* 
They make no monthly mortgage payments.* 
There are limited income/credit/medical qualifications. 
The loan is not repaid until the last borrower moves out or passes away. Heirs never owe more than the appraised value of the home.

*Borrowers must comply with the terms of the mortgage contract; they must pay their property taxes and homeowners insurance premiums on time and they must keep the home in good condition.

**Open Mortgage, LLC is not acting on behalf of or at the direction of the federal government.

Use our free Life Expectancy Set Aside (LESA) calculator to educate yourself on the amount needed to set aside funds to pay property charges, including homeowners insurance, property tax, and HOA dues. A LESA sets aside a portion of your reverse mortgage line of credit for the purpose of paying these future charges, giving you peace of mind. (Enter annual amounts.)* Legal

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Making decisions about the future is never easy, but that’s especially true for those considering where they want to age in place. A HECM for Purchase can give you options, and help you move to a community better suited for your later retirement years.

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As life expectancies continue to lengthen, seniors regularly outlive their retirement savings and sometimes struggle to supplement fixed incomes. Although families care deeply for their aging relatives, the cost of supporting them financially in their later years can cause added stress to an already delicate situation.

If you are like many people aged 62 or older,

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Reverse Mortgage

Stability and success are important at every stage in your life. For those exploring the benefits of reverse mortgages, we understand that your families and your security are paramount. We provide quality, dependable customer care you can trust.

Buying a home

Open Mortgage also offers HECM for Purchase (H4P), which lets seniors 62 and older combine two financial transactions — a down payment with a reverse mortgage loan — to purchase a new home.

Refinancing a home

Take advantage of a lower rate that could reduce your monthly payment or change the term of your loan. Our outstanding customer service and commitment to provide transparent communications means that Open Mortgage makes your priorities our mission.


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