Log In  |  Contact Us  |  Help
For Financial Planners

Reverse Mortgage's Role in Financial and Estate Planning  

Conventional wisdom has been changing even though the challenge remains the same:  How to Make My Client's Money Last!   A reverse mortgage can increase portfolio longevity including Asset Preservation, Cash Flow Management, Stand By Line of Credit, Security and Quality of Life.

Did you know that a borrower can purchase a home with a Reverse Mortgage Purchase Loan?  Contact us for a particular client scenario or illustration of our Retiree SMART HOME plan.

Below are several articles on the role that a Reverse Mortgage can play in a client's financial and estate planning.  


"Harold Evensky on ETFs, Reverse Mortgages, and the Most Important Investment in the Coming Decade"

by Carly Schulaka

http://www.fpanet.org/docs/assets/CD39A280-E3A4-36A0-74A2636662D9880E/10Q.pdf


When Even Wealthy Homeowners Are Using Reverse Mortgages, The Question Is: Why Aren't You?

  • Older Americans should have a financial planner help develop a strategy that combines income from a reverse mortgage with other assets in their securities portfolio.

http://www.huffingtonpost.com/buck-wargo/when-even-wealthy-homeown_b_5954218.html


 

HECM Reverse Mortgage: Now or Last Resort

This study compares the efficacy of two simple strategies: (1) establish an HECM line of credit at age 62, under the current lending and interest rate environment, and do not use the HECM line of credit until the investment portfolio is exhausted; or (2) wait until the investment portfolio is exhausted, if ever, and establish an HECM line of credit on that date and subsequently begin to use the proceeds to support income needs until the line of credit is exhausted.

By Shaun Pfeiffer, Ph.D.; C. Angus Schaal, CFP®; and John Salter, Ph.D., CFP®, AIFA®

http://www.onefpa.org/journal/Pages/MAY14-HECM-Reverse-Mortgages-Now-or-Last-Resort.aspx


 

 

Click here to read what our current clients say about us...

These materials are not from HUD or FHA and this document was not approved by the Department or Government Agency.

Usher Financial Group a Division of American Pacific Mortgage Corporation NMLS #1850 #1053700  NMLS #41721
5335 Meadows RD STE 110, Lake Oswego, OR  97035
Toll Free:  (800) 481-6036
Office:  (503) 595-1600
Toll Free:  (503) 595-1610
info@usherfinancial.com
Copyright © 2017 Licensed by the Department of Business Oversight under the CRMLA CA BRE#01215943
Usher Financial a Division of American Pacific Mortgage Corporation NMLS 1850 Branch NMLS 1053700
Privacy Policy  | Security Statement  |  Site Map