America's Most Trusted Reverse Mortgage Professionals
            LOCAL REVERSE MORTGAGE SPECIALIST - NOT A CALL CENTER OR LEAD SELLER     
      
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Thanks for visiting the Arizona Reverse Mortgage Website.


So what is a Reverse Mortgage? A loan designed especially for seniors, age 62 and older to gain access to equity in their home for current use, with no monthly payments for as long as you live in the home.**

My name is Tim Ryan and I have dedicated my career to only working with Reverse Mortgages for a decade.  I usually have the upper hand to shop around to help you calculate, compare, save, and find the best product and use for your needs! I am local, experienced, & honest!!

This will probably be the only time in your life you take advantage of the Reverse Mortgage program, but for hundreds of Arizona homeowners I have helped in the past, this is what I know!
I’m local which means more than you think, please don’t discount having someone sit face to face, explain what you are signing, and be accountable for what they are telling you. I back this up by coming to your closing as well, just to be there for you, but usually there aren’t any questions or surprises.

 
Retirement and money experts Nationally and in Arizona are now agreeing that the Reverse Mortgage is a great financial tool for supplementing your nest egg with the growing line of credit.
 
 Do you want to purchase a new home with a Reverse Mortgage? You and your local Realtor may want to use the fairly new Reverse Mortgage purchase to buy your next home.
 
I will educate you on all angles; any pros, cons, benefits, rates, advantages, and the financial assessment - financial planning aspect of this product by then. Best of both: You can work with a local person, have great personal service, but also have several lenders to choose from.


I serve all of Arizona including areas such as: Phoenix, Mesa, Gilbert, Chandler, Tempe and all of the East and West Valleys as well as Tucson, Lake Havasu, Flagstaff and Payson. If you are in Arizona, I can help you..  I and iReverse are also licensed to serve our clients in other states such as California, Nevada, New Mexico and 40 other States.

 


           
 
*A reverse mortgage is a complex loan secured by your home. Whether such mortgages make sense for you depends on your financial situation and needs. For these reasons, we strongly recommend that you consult with a qualified, independent housing counselor, family members and other trusted advisors before making this decision. 
There are some circumstances that will cause the loan to mature and the balance to become due and payable.  Borrower is still responsible for paying property taxes and insurance.  Credit is subject to age and property qualifications.  Program rates, fees, terms and conditions are not available in all states and subject to change.

 

 

 

**The owner(s) retain title to the property that is the subject of the reverse mortgage until the person sells or transfers the property and is therefore responsible for paying property taxes, insurance, maintenance and related taxes. Failing to pay these amounts or failure to maintain the condition of your property may cause the reverse mortgage loan to become due immediately. A reverse mortgage is a complex loan secured by your home. Whether such mortgage makes sense for you depends on your financial situation and needs. For these reasons, we strongly recommend that you consult with a qualified independent housing counselor, family members and other trusted advisers before making this decision. This information is not from HUD or FHA and was not approved by HUD or any government agency.

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Reverse Mortgages

A reverse mortgage is a home loan that lets homeowners convert a portion of the equity in their home into cash. The equity built up over years of mortgage payments can be paid to you. Unlike a traditional home equity loan or second mortgage, no repayment is required until the borrower(s) no longer use the home as their principal residence.

 

Am I Eligible?

To be eligible for a HUD reverse mortgage, HUD's Federal Housing Administration (FHA) requires that the borrower is a homeowner, 62 years of age or older; own your home outright, or have a low mortgage balance
that can be paid off at the closing with proceeds from the reverse loan; and must live in the home.

 

How Much Do I Get?

The amount you can borrow depends on your age, the current interest rate, and the appraised value of your home or FHA's mortgage limits for your area, whichever is less. Generally, the more valuable your home is, the older you are, the lower the interest, the more you can borrow.

 
 
 

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