Patrick Morales on Reverse Mortgage
Don’t waste your retirement years
stressing out about retirement income shortfalls.
Instead, stay in your home, eliminate your mortgage payments and increase your income.
Why Use a Reverse Mortgage
Enjoy monthly mortgage payments of $0 FOR LIFE
Turn an illiquid asset into a dependable income stream
Stop worrying about monthly income shortfalls
Sleep better and worry less
Increase your retirement cash flow
Create back-up funds to help your retirement funds last longer
Receive money from your home’s equity without having to sell your home
Use your home’s value for home repairs or to pay off medical bills or credit cards
Buy your dream home
Transfer any positive net equity (your home’s value less the loan value) to your heirs at your death
Maintain dignity in retirement
Eliminate existing mortgage payments forever
Stay comfortably in your home as you age
Reverse Mortgage Handbook
For Seniors in Texas
The truth about reverse mortgages
in a Q & A format
Get a free copy now
Some requirements of a Reverse Mortgage
Minimum Age 62to Qualify(youngest spouse)
You still need to paytaxes, insurance,maintenance & HOA
Cannot be used for vacation homes,2nd homes, co-ops or 4+ unit homessee www.hud.gov
for details
Certain amountof home equityis required
Must be yourprimary residence
Why I personally have a Reverse Mortgage on my own home
My mother-in-law, Mimi, was 98 years old, living in her home with dignity, but running low on funds. The tremendous expenses for her medical care had drained her savings. A line of credit was out of the question because Mimi had Alzheimer’s disease, and the power of attorney didn’t allow my wife, Mimi’s daughter, to create a line of credit. One of Mimi’s last wishes was that she be able to die with dignity in her home of over 40 years, and not be forced into a nursing home. That’s when we learned about reverse mortgages. However, before we could secure the reverse mortgage, Mimi went to be with Jesus in heaven.
Mimi was the reason why I learned about reverse mortgages, but then my journey took another turn. My wife, Janet, and I decided to sell our home that we had lived in for 40 years. We decided that for us, we wanted a new home with low maintenance. We wanted a forever home, one equipped with upgrades and a cocktail pool for escaping the Texas heat. However, the price tag was going to increase our monthly expenses and decrease our disposable retirement income.
That was scary to think about. So guess what we did? We used a reverse mortgage. We got our dream home without putting our retirement at risk and we can live there forever. Now our monthly mortgage payments are exactly $0 per month, and they will continue to be $0 for life for as long as we are living. Oh, and don’t forget that Janet’s mom, Mimi, lived to age 98, so we could be looking at decades of being able to enjoy $0 monthly mortgage payments. This has brought an incredible sense of peace to Janet and myself. We sleep better, worry less and have more time, energy and money for our 2 children, 8 grandchildren and 1 grandson. I can truthfully and passionately declare to you that our reverse mortgage has changed our lives.That is exactly why I started my business and it’s exactly why I’m now one of the top volume reverse mortgage agents in Texas and in the entire United States.
I’m a reverse mortgage customer who serves Texans who want to use the a reverse mortgage to better their lives during retirement.I’m a straight-shooting, Christ-following, reverse mortgage specialist who would be honored to speak with you. Call me now for your free, no obligation consultation to see if you're a candidate for a reverse mortgage.
Why Choose Patrick Morales On
Reverse Mortgage
Patrick is one of the top volume reverse mortgage agents in Texas and in the United States
You get direct access to Patrick, so no frustration with middlemen or phone tag
Patrick has access to multiple underwriters, rather than just one
Patrick is happy to meet with you right in the comfort of your own home
Patrick is a consumer of his own products.
That’s right, Patrick has a Reverse Mortgage on his own home
Patrick is passionate about helping seniors maintain their dignity, increase their retirement mailbox money and spend the rest of their lives sleeping peacefully in the comfort of their own homes.
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You should call us now if you are at least 62,
have good equity in your primary home
and want to:
Turn your home into a piggy bank
Increase your retirement income
Enjoy mailbox money
Payoff your existing mortgage
Maintain your dignity in retirement
Maximize your retirement income options
Age gracefully in the comfort of your own home for the rest of your life
…and do all of that WITHOUT having to sell your home.
What is a Reverse Mortgage -- Video by NRMLA
More Reading Materials
Some other links: HUD HUD Handbook NRMLA 25 Ways to use a HECM
While the above materials are important, what most of my clients really want is a conversation with a living person with actual personal experience.
If you’re like most of my clients, then you want your questions answered in a personalized and customized manner from an actual reverse mortgage customer and agent (I'm both).
If you want a conversation with a reverse mortgage customer who now worries less because of increased retirement income, then I would love to speak with you today. And I mean like, right now, so go ahead and call me directly at 713-562-6748 for a free, no obligation consultation. Remember that I can also make house calls and meet you in the comfort of your own home.
Jumbo Reverse Mortgages
Yes, we can do those too
$1Million to $10 Million home values -- Jumbo Reverse Mortgages for the right candidate
Even high net worth homeowner's are benefiting from jumbo reverse mortgages
Traditional Mortgage: You pay the bank.
Reverse Mortgage: The bank pays you.
It's the reverse/opposite of what you thought you knew.
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