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A reverse mortgage eliminates your monthly mortgage payment for as long as you live in the home.
Sell your home, buy smaller, and walk away with cash for the next chapter.
Reverse mortgages require continued payment of property taxes, insurance, and home maintenance. The loan balance grows over time as interest accrues. Eligibility depends on age (62+ for HECM, 55+ for some proprietary programs), equity, occupancy as primary residence, and program guidelines. Borrower must maintain the home. This is an illustrative scenario, not a loan commitment.
You retain full title. You live in the home. You make no monthly mortgage payments. The loan is repaid when you sell or move.
Heirs inherit the property. If the home is worth more than the loan balance, they keep the difference. FHA insurance protects against owing more than the home is worth.
HECM (FHA-insured) reverse mortgage
Some proprietary (non-HECM) programs
Must be your main home
Typically 50%+ equity in the home
Believing you lose ownership of your home
You retain full title — always
Thinking heirs get nothing
Heirs inherit the home and any remaining equity
Assuming any age qualifies
HECM requires 62+; some proprietary programs start at 55+
Forgetting ongoing obligations
You still pay property taxes, insurance, and maintenance
Not comparing reverse mortgage programs
300+ lenders means more options and better terms
A reverse mortgage is a big decision. Our team will walk you through every option, answer every question, and never push.
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We had a difficult jumbo loan scenario that most mortgage lenders were unable to close. Not only did Jim Blackburn's mortgage team close our refinance, but now we are able to pursue the purchase of our dream home in the Florida Keys.
Had a great experience working with Jim and team on a refi. Was able to do virtually everything by email and text. When an issue arose, Jim made sure it got escalated and handled properly.
This is the second loan I am doing with Jim and once again he and his team have exceeded my expectations. This time it was a multi-family unit. I can attest he provides the best possible service and gets the job done.
We were blessed to buy a wonderful home because Jim and his team "made it happen" — in record timing! But for Jim, I would have missed an opportunity to lower my rate by a full 1%. He reached out, provided the numbers and options, and guided us expertly.
Most lenders do not take the time to sit down and chat over the phone for hours like Jim does. After I applied for pre-qualification, he called and walked me through the entire process. As a first-time buyer, you get confidence knowing your lender is always accessible.
Can't say enough good things about Jim and Olga. They are a powerhouse couple: smart, organized, and TENACIOUS. His team contacted me about the amazing rates available. Every expectation I had was exceeded.
I'm an RE investor. Had multiple loan officers but one really stands out — JIM BLACKBURN. I have tons of properties and live in China with unique income (he made it work!). He called me in China at 1 AM to get information to close the deal.
We closed our loan within 19 days. Just in time for Thanksgiving! We initially had gone with a different loan office and the rate and down payment was ridiculous. Since our transaction, we've been referring Jim to anyone we know.
Run, don't walk to work with Jim. He helped us get financing when it seemed impossible — a home purchase 2000 miles away, an extremely competitive market, and being self-employed. He went above and beyond so financing wasn't a barrier to our dream house.
All aspects of the loan process went well and smoothly. I would highly recommend the Jim Blackburn Team to get the best deal and save money on a loan.
I have now completed five mortgages with Jim. He and his team are true professionals that you can count on. Numbers always spot on, accurate, and on time. I would never even consider looking elsewhere for any of my mortgage needs.
These guys are amazing! Jim's team took a chance on me although my situation was almost hopeless. They secured a loan for me (nobody else would do it) and they closed in less than 30 days! A billion thanks to everybody on the team.
Jim worked with us to secure the best rate — not only reducing our 30 to a 15, but taking cash out for a home renovation and consolidating our first and second mortgage into one. He provided many options balancing cash-out limits with the best rates.
I've used Jim for multiple mortgages and REFIs. I keep going back because he's always responsive, proactive, and has a top-notch team supporting him. I've been pleased by the rates over the years, and the closing process is pretty painless.
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