Welcome to my website. I hope you can join one of my upcoming webinars; invite a friend, a neighbor, your financial advisor or legal expert. Come one, come all! My goal is to share the latest academic research and various program guidelines with anyone interested in learning more about retirement income, housing wealth, ways to improve financial outcomes throughout retirement, and much more. I love helping older Americans (and their family of advisors) understand the many choices and tools they have at their disposal. Mis-information abounds in the media and the world at large. I like to stick to the facts, and give real life examples of how you can --even after retirement begins, completely revamp your financial position to live your best life now.
And, yes, you can still leave your remaining home equity to your heirs, including future appreciation. Just like any other retirement asset you tap to fund your golden years, home equity often continues to grow as you benefit from all you have accumulated over past decades.
Whether you need to eliminate a conventional mortgage, thereby freeing yourself from the bondage of a monthly mortgage payment to increase your cash flow, or if you are simply looking to establish a federally-insured, growing line of credit as a liquidity tool, I can answer all of your questions and educate anyone that you may look to for guidance so they can advise you more effectively.
If you are looking for ways to pay for care; for yourself, or for a loved one, Mutual of Omaha has a special division, Care Funding Solutions, that can shed a spotlight on the many avenues to pay for the quality care you need and deserve.
From exploring options for grants, to explaining Veteran’s benefits, like Aid and Attendance, to understanding the prudent use of your largest asset, housing wealth, we are here as your resource.
A Home Equity Conversion Mortgage (HECM), the recently-revamped version of the former reverse mortgage, is a HUD Program that is insured by the Federal Housing Administration (FHA) enabling retirees across the country to live a more enjoyable retirement. My goal over the past 17 years in my field has been to help older Americans make the right, informed decision about funding their retirement.
To register for an upcoming educational webinar, and attend from the comfort of your own home, Register HERE. If you don’t enjoy it, I’ll buy you a coffee!
I look forward to assisting you:
“I have referred several people to Mary Jo, and they have all raved about her. A couple of them were rather complicated, but I witnessed how she worked closely with them to guide them through the process. I have a much better understanding about the pros and cons of reverse mortgages after spending time with Mary Jo. She definitely knows her stuff.”
“As Director of Business Development with Home Instead Senior Care, Mary Jo is a trusted valued resource who helps my clients to strategize how best to afford the elder care they require – which enables them to remain in their residence with personal care to keep them safe in their home.”
“Mary Jo is my go-to person for everything concerning Reverse Mortgages. Not only can I rely on her for up-to-date information on industry regulations and products, I know she will take good care of my clients answering all questions and provide details on options and costs.”
“It has been a pleasure working with Mary Jo. She was able to answer our questions about a reverse mortgage in an articulate, expert way while spending time to understand our needs. Her enthusiasm and professional approach made it clear that a reverse mortgage was a good solution for us and that was the person we wanted to work with. I’m happy to recommend Mary Jo to those considering a reverse mortgage.”
“I have not met as competent and prepared reverse mortgage specialist as Mary Jo. As a broker, there is only one person I will call. That’s because I know that anyone I refer will be handled with the utmost care. When I seek the information myself, Mary Jo helps me look amazingly knowledgeable with my clients. She is everything I look for in a professional when I consider aligning my business and theirs.”
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Mutual of Omaha Mortgage, Inc., NMLS ID 1025894 3131 Camino Del Rio N 1100, San Diego, CA 92108. Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act, License 4131356; Loans made or arranged pursuant to a California Finance Lender Law license, 60DBO93110.
Borrower must occupy home as primary residence and remain current on property taxes, homeowner’s insurance, the costs of home maintenance, and any HOA fees.