Marc Emrich Reverse Mortgage Specialist Pivot Lending NMLS #920989

Moving you forward with a reverse.

07/08/2022

One of my best reviews ever just posted last week. Very rewarding to have happy clients!

Reverse Mortgages Are No Longer Just for Homeowners Short on Cash 04/19/2022

https://www-nytimes-com.cdn.ampproject.org/c/s/www.nytimes.com/2022/04/01/business/retirement-reverse-mortgages-home-equity.amp.html

Reverse Mortgages Are No Longer Just for Homeowners Short on Cash Turning your home equity into cash can help pay bills and preserve other savings and investments. But they’re complicated, and not for everyone.

Pivot Lending Ribbon Cutting Event 2021 05/18/2021

Our new building in Littleton, Colorado.
https://vimeo.com/517000758

Pivot Lending Ribbon Cutting Event 2021 This is "Pivot Lending Ribbon Cutting Event 2021" by Liefde Photo | Muntz Studios on Vimeo, the home for high quality videos and the people who love them.

03/06/2021

With over 10,000 Americans turning 62 daily, reverse mortgages are gaining popularity as a valuable financial planning tool. Reverse mortgages (sometimes referred to as “home equity conversion mortgages” or HECM) give age eligible homeowners the ability to tap into equity without having to sell their home. There are several options for the disposable equity you may have.

• Take a lump sum payment to consolidate debt or take a dream vacation.
• For use as monthly income to live on.
• Create a line of credit for use as you see fit.
• Simply eliminate a monthly housing payment.

Reverse Mortgages Financing
It is worth noting as well that funds can even be used to purchase a home. If you have a large down payment (40-60%) and want to enjoy a new home without a new payment, this could be a perfect home financing option for funding.

Important Reverse Mortgage Facts:
Repayment isn’t necessary until the home is sold, if the home owner moves to another home or retirement community or passes on. You or your estate representative will be required to repay the balance of the reverse mortgage, any accrued interest, and other finance fees when your home is sold or can no longer use it as your primary residence. Once the home is sold, any remaining equity will belong to you or your heirs. Please also note that your heirs will have protection if the home is sold for less than what is owed.

There are many situations where a reverse mortgage is beneficial. For example, if you are a homeowner over 62 years of age, you can start a reverse mortgage to delay your Social Security benefits. Delaying Social Security benefits is often claimed as one of the best investment strategies for someone at this age. Our home mortgage financing experts will work with you to discuss your situation and explore if it might be the right type of loan for you. Use our contact form above to learn answers to additional questions such as “How does a reverse mortgage work?”

Our home mortgage financing experts will work with you to discuss your situation and explore if it might the right type of loan for you.

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Pivot Lending 10397 W, Centennial Road
Littleton, CO
80127

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