A reverse mortgage can be an effective tool for enhancing your retirement years. You have worked hard all your life and now is the time to enjoy. Whether it is golf, traveling or spending more time with the grandkids, it is your time to live! A reverse mortgage allows seniors to access additional tax-free cash by utilizing the equity in their home. However, it is not a decision to be taken lightly. It's important to work with an experienced originator who can help you assess your unique situation to determine if a reverse mortgage is right for you. Our team has a combined 55 years' experience in the mortgage business. The Reverse Mortgage Group is a branch of American Pacific Mortgage. Beth has 30 years of varied experience in traditional 'forward mortgages', and now the last 5 years focused exclusively on Senior Lending. The economic meltdown has created a silent crisis among seniors who have 'done everything right'. They saved, they worked a lifetime, they had their annuities, Social Security, pensions, IRAs etc. all lined up. They were ready to enjoy a bit of leisure time. When Wall Street crashed, it robbed many seniors of the financial security that had been built over years of hard work and planning. We feel it is essential that we, as a society, help to provide our seasoned citizens with the dignity, safety, security and contentment they have earned through a lifetime of accomplishments. We treat every client with respect, honesty, sensitivity and integrity. It is our job to pay attention to the details of your particular situation, to educate you and your family, and to insure a Reverse Mortgage is the right answer for you; and if it isn't the right solution, we will try our best to point you in a direction that will help you to attain your retirement dreams. We offer in-home consultations through-out all of California. We have helped seniors in just about every area of the state from Sacramento, to Los Angeles, from San Diego to Santa Rosa; from San Rafael to Palm Springs, and San Francisco to Bakersfield and everywhere in between. We are here to answer any questions you may have - big or small. You may or may not be ready to make a decision today but you might have a question that will help you to think through your options. Call us, we are happy to help. We look forward to working with you soon. Thank you for your inquiry here at The Reverse Mortgage Group. Branch and Corporate NMLS: 831612/1850 Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. http://www.eldercarematters.com/ A Proud ElderCare Matters Partner and State Coordinator. We offer FHA insured Reverse Mortgages to those 62 years or over which allows access to tax-free monthly cash flow by utilizing the equity in your home. We can pay off a current mortgage which provides additional cash flow or,if the home has little or no mortgage currently,we can set up a monthly income stream or a line of credit. The loan/line can never be arbitrarily frozen or closed and the available line of credit grows over time. No payments are required!* You own your home,not the bank! You never repay more than it's value! All remaining equity goes to your heirs! No recourse to you or your heirs! FHA Insured! *Owner is responsible for property taxes,insurance and HOA,if any.