What is a Home Warranty and should you have one?
Heritage Reverse Mortgage Blog
by Aubrey Christian
3M ago
I get multiple calls weekly from clients telling me they received a letter from their lender stating they must get a home warranty immediately. These letters are deceptive advertising at it’s worst. Shady companies give the impression they represent the homeowner’s lender to sell their service but in reality there is no affiliation. What is a Home Warranty? I first explain that a home warranty is a Voluntary form of insurance that helps cover the costs to replace or repair major home appliances. Things like Heating/AC units, Dish Washers, Ovens, etc. You pay for a policy and if something in y ..read more
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Protect your Family with a Trust
Heritage Reverse Mortgage Blog
by Aubrey Christian
3M ago
Both of my parents died suddenly in their sixties. Losing a parent is very painful and settling the estate only makes it worse. Are you Prepared? The best advice I can give you is, ESTABLISH A LIVING TRUST AS SOON AS POSSIBLE. Studies show roughly 75% of retired American’s have a will. But only 18% have a Living Trust. Not having a Trust will cause unnecessary taxes and legal fees for your heirs. What’s the difference between a Will and a Trust and why does it matter? What are Wills? A will outlines what you want to happen to your property after death. But a will DOES NOT execute your desires ..read more
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We Escaped from California
Heritage Reverse Mortgage Blog
by Aubrey Christian
3M ago
Is your Retirement what you dreamed it would be? Neither was Jim and Linda’s. The California they grew up in and raised their children in is long gone. Crime, the cost of living and homelessness were making life miserable they had to get out. How did they do it? Jim and Linda sold their home in California. They moved to Southern Utah and bought a new home with a Reverse Mortgage. Did it work? Now Jim and Linda own a beautiful new home in a neighborhood they love. Because they used a Reverse Mortgage, they have hundreds of thousands of dollars in the bank and don’t pay a monthly mortgage paymen ..read more
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Reverse Mortgage for Financial Freedom
Heritage Reverse Mortgage Blog
by Aubrey Christian
3M ago
Are you tired of Inflation? Inflation hurts Retirees the most. We should be able to retire when we retire. The price of a gallon of gas shouldn’t be something you lose sleep over. Worried about Health? Struggling with health is a big enough battle by itself. You don’t need financial stress to make it worse. Thinking of going back to Work? It’s heartbreaking to see how many people in their 70’s and 80’s are still working to get by. Don’t go back to work, there is a better option. Are you ready to know more? Reverse Mortgages help you have more money. Our team has helped over 1,200 people since ..read more
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Surviving on One Income after Becoming a Widow
Heritage Reverse Mortgage Blog
by Aubrey Christian
3M ago
Could you survive alone on a single income? When Bob passed away, Mary lost the love of her life and most of their income. Bob’s passing was a disaster and Mary needed help so she came to Heritage Reverse Mortgage. Their Story Before retiring in 2005 Bob was an accountant in California. They had good health, a great pension, and equity in their home. But the 2008 Recession nearly took it all. Bob’s firm failed and took his pension with it. Their home’s equity fell and by 2010 they were in big trouble. They moved to Utah and bought a home they could afford with their combined incomes and every ..read more
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Unlocking Financial Peace: The power of Reverse Mortgages for Retirees
Heritage Reverse Mortgage Blog
by Aubrey Christian
8M ago
Reverse Mortgages are how to unlock financial peace in retirement Discover how retirees aged 62+ can attain stability through HECM Reverse Mortgages and ease financial worries more effectively. The Power of HECM Reverse Mortgages: What are they? – HECM’s are a financial tool that help senior homeowners to convert home equity into accessible cash and provide relief without the burden of a monthly mortgage payment. The homeowner continues to pay property taxes and insurance but the mortgage payments are deferred until the homeowner has passed away, moved from the home or sells the home. Who is ..read more
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Economic and Political Turmoil: Using a Reverse Mortgage to create stability.
Heritage Reverse Mortgage Blog
by Aubrey Christian
8M ago
Babyboomers know more than any other generation what all out war and political turmoil can do to the world. Boomers are the generation that was raised by GI’s who fought in WW2 and lived through the great depression. They understand that when tensions in the world begin to boil over on a grand scale, stability becomes the memory of another time. The world today is marked by heightened tensions, both domestically within the United States and globally with countries like China and Russia. Retirees suffer the most from world events because they have the least ability to adapt to major financial ..read more
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Keep your Independence: Financial Freedom with a Reverse Mortgage
Heritage Reverse Mortgage Blog
by Aubrey Christian
8M ago
We all dream of Financial Freedom but Seniors more than any other demographic are faced with a unique set of challenges. Things like Fixed incomes, rising healthcare costs, and the impact of inflation can be murder on retirement funds and savings accounts. A Reverse Mortgage offers a powerful solution to cope with these issues. For most of us our home is our largest asset but it’s also our largest expense. A Reverse Mortgage allows seniors to eliminate their monthly mortgage payment and access the equity in their home to live better. They continue to pay basic property expenses like taxes and ..read more
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From Loss to Legacy: Using HECM’s to recover after the death of a Spouse.
Heritage Reverse Mortgage Blog
by Aubrey Christian
8M ago
From Loss to Legacy: Using HECM’s to recover after the death of a Spouse. Life can be filled with tragedies and hardships. Such as losing a job, major health issues and especially the death of a spouse. Recovering after the death of a spouse can be overwhelming, especially for retirees.  Reverse Mortgages also known as Home Equity Conversion Mortgages (HECMs) offer relief in the wake of the loss of a loved one. When a spouse passes away not only does someone lose the most important person in their life they also usually lose a substantial part of their income.  Reverse Mortgages can ..read more
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Stable income in Uncertain Times: How HECM’s can ease Retirement worries.
Heritage Reverse Mortgage Blog
by Aubrey Christian
8M ago
In times of financial uncertainty, retirees can find solace and a stable income through the HECM Reverse Mortgage. These innovative mortgages empower individuals to secure a reliable income stream and increase financial confidence amid unpredictable circumstances. Unlocking the Power of FHA Reverse Mortgages: Counter Economic Instability: Reverse Mortgages act as a shield against market volatility, providing an assured income source that is guaranteed by FHA/HUD. Strategic Financial Empowerment: Homeowners can access the equity in their own home to establish stable monthly income and a flexib ..read more
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