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The savings you never knew you had.

One of the smartest decisions you will have made in your life is buying your home.
While other investments and pension plans have been failing, your home has shown that over the long-term, it will increase in value and become more than just a roof over your head.

With the government insured Reverse Mortgage plan, you are able to take advantage of the wealth that has been building up in your property. Your home is more than just bricks and mortar, it is your retirement plan. Why not find out how you can safely use a Reverse Mortgage to enhance the lifestyle of you and your loved ones.

Reverse Mortgages – The Concept Explained

Reverse Mortgages were created back in the 1980s as a way of helping Americans aged 62 and older to convert some of the equity in their home into money that can be spent as they wish.

They have come along way since their invention, with more flexibility built into the products and new moneysaving features.

As house prices have risen greatly since the 1980s, they have grown in popularity with more than half a million customers taking out a reverse mortgage already.

The modern day reverse mortgage is called an HECM – Home Equity Conversion Mortgage. It is insured by the US government and provided by a number of HUD approved lenders.

It couldn’t have come along at a better time as the traditional retirement measures of Social Security, pensions and personal savings have been significantly weakened since the financial crash.

Why choose Responsible Reverse Mortgage?

We would love to discuss with you the features and savings of the different Reverse Mortgage plans that we have extensively sourced and negotiated for you.

You’ll be in the comfort of your home, explaining to a relaxed, mature, licensed specialist what you would like to achieve.

Our knowledgeable, licensed specialists offer expert advice you can trust, they answer your most probing questions about your future needs, the impact on the equity in your property over time and how a reverse mortgage may affect your social security.

You’ll then be free to make the right decision based on high quality information. If you decide to proceed, you can arrange another free visit to help you to complete the paperwork.

We only ever charge for all of this should you complete a reverse mortgage and we don’t expect payment until you receive your money. If you decide it’s not right for you, we won’t charge you a thing for our time. It’s an industry we’re proud of and we want you to know all about it.

How can a Reverse Mortgage help me?

With a Reverse Mortgage, you can spend the money as you wish. Here are some ideas from our valued customers.

  1. You may want to take a once-in-a-lifetime holiday or visit family that you can’t reach out to enough.
  2. How about using the money to plug your pension shortfall and increase your standard of living.
  3. You may need some cash to help make home improvements. Think kitchens, bathrooms, sunrooms, landscaping gardens or even extending your home to accommodate a growing family.
  4. Like more and more people you may want to release equity to help support your family, children or grandchildren as and when they need it. You can see your inheritance in action and help them out when they need it now, rather than waiting to leave an inheritance.
  5. Build an emergency fund for when the unexpected inevitably happens.
  6. Enhance the quality of life for you and your loved ones by having more time and money to spend on the things you all love.

What is the process to get a Reverse Mortgage?

1. Get the right information

The decision to tap in to your property wealth is best made with all the information. Use our calculator to work out how much is available to you. We will also send you a copy of our free 16 page, full colour, informational and educational guide.

2. Speak to our specialists

If you are interested in learning more, you can speak to one of our Reverse Mortgage Specialists. Our highly trained specialists will go through it all at your pace and leave you feeling comfortable that you understand the finer details.

3. Arrange a no-obligation appointment to discuss in further detail

When you are ready, our team can arrange a free, no-obligation consultation at your chosen location (usually your home) where our NMLS licensed Reverse Mortgage Specialists are able to bring our reverse mortgages to life.

We will learn about your financial position and explain in clear language how reverse mortgages may help you and what future impact they may have.

You can ask questions in a relaxed, informal environment and are free to have family attend the appointments, where they can ask their own questions.

We will leave you with the information and a business card. If you decide to proceed, you can give your dedicated specialist a call to arrange a follow up meeting where we complete an application.

Step 4: Counseling

As part of the customer safeguards, HUD requires all applicants to undergo reverse

mortgage counseling. This is simply to check your understanding of the products. We will be able to help you schedule this counselling. 

Step 5: Appraisal and Approval

As with regular mortgages, we will need to schedule an appraisal to value your property. This will be arranged at your convenience. Once we get the appraisal back we can package it and send it off to the lender for approval.

Step 6: Closing

A closing professional will be in touch to sign the final documents and transfer the funds over to you, ready to use as you wish.

You have then safely tapped into the wealth in your property, you still own your home and are still free to remain their for the rest of your life.

Please note:

(a) Our calculator produces only estimates; (b) consumers shouldn’t rely on the answers as final; and (c) they are not an invitation to apply for credit or an offer to lend.

Reverse Mortgage Myths Busted


Here we debunk some commonly held myths about Reverse Mortgages

Myth 1. You are at risk of repossession or losing your home

As there are no monthly payments to make, there are no monthly payments to miss. You cannot lose your home under normal circumstances, but please understand foreclosure may occur if you do not pay your taxes and insurance and otherwise comply with the loan terms.

Myth 2. Your lender takes the title to your home

As with any other mortgage, you keep the title to your own and you own it. The title is never negotiable.

Myth 3. You will leave debt to your loved ones

As part of the government insured Reverse Mortgage program, you will never leave debt to your loved ones. A Reverse Mortgage is a non-recourse loan which means you will never owe more than the value of your property.

Myth 4. You can’t get a Reverse Mortgage if you have an existing mortgage

Yes you can. One of the biggest reasons people take out a Reverse Mortgage is to clear their existing mortgage, making them free of monthly mortgage payments. These people are then free to spend that money on the more enjoyable things in life.

Myth 5. The lender will evict me

The title to your home is still yours. You own it. You can’t be evicted as long as you stay current on your taxes and insurances. You cannot lose your home under normal circumstances, but please understand foreclosure may occur if you do not pay your taxes and insurance and otherwise comply with the loan terms.

What is the criteria to qualify for a Reverse Mortgage?

In order to qualify for a reverse mortgage, you would need to meet the following criteria:

- You must be aged 62.

- Your home must be used as your primary residence, which means you live there at least 6 months of the year.

- You must own your home.

- You must have sufficient home equity.

- Eligible property types are as follows:

- Single family homes

- 2-4 unit properties

- Manufactured homes

- Condominiums and townhouses

- If you are unsure if your home will qualify, just get in touch.

A foreword from our company president

Thank for your taking the time to visit our website. The retirement system in America today is in desperate need of a shakeup. People are living longer, health care costs are rising rapidly and the golden pensions of yesterday are no longer with us.

70 million baby boomers are heading into a retirement where traditional pensions are rare and reserves are dwindled.

It is up to the innovators in the reverse mortgage industry to provide access to safe, reliable products that help you turn the wealth in your property into your pension. Lifelong aspirations, spending time with your family and loved ones, making home improvements, clearing debt or topping up your income may be the reason you have inquired about reverse mortgages.

It is our mission to simplify reverse mortgages and debunk the myths, without taking away any of the detail and information that will help you make your decision. We'll also bring the new moneysaving features to life using examples based on industry facts.

Yours faithfully,

Karen Abis

Responsible Reverse Mortgage Inc is incorporated in the State of Florida and has its registered address at:
P300, 515 N Flagler Drive, West Palm Beach, FL 33401

Responsible Reverse Mortgage Inc is a licensed Mortgage Broker that specializes in Home Equity Conversion Mortgages (Reverse Mortgages).

You can look us up on the Nationwide Mortgage Licensing System website:

In using this website, I expressly consent to be contacted by Responsible Reverse Mortgage Inc (RRM). RRM will hold your data securely and it will not be passed onto any third party without your explicit permission.

This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA)

Important Information: Reverse Mortgages are neither "endorsed" nor "approved" by the Federal Government. The FHA (Federal Housing Administration) provides certain insurance benefits for lenders and borrowers in connection with the lender's HECM loans; the FHA does not make or originate loans. It is strongly advised that you consult with your family and / or trusted financial planner when considering any reverse mortgage loan.

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