TILA Mortgage

TILA Mortgage TILA Mortgage
LLC NMLS ID # 2472046 Welcome to TILA Mortgage, where our licensed loan officers are committed to you and the highest standards of ethical lending.

TILA Mortgage Loan Advisors will guide you through the entire process of buying your home, refinancing your home or doing a Reverse Mortgage. We will listen to your situation to understand your specific needs and goals and will customize a solution just for you.

Do You Want More from Your Reverse Mortgage?Did you know reverse mortgages include a refinance clause in the FHA HECM (H...
04/15/2026

Do You Want More from Your Reverse Mortgage?

Did you know reverse mortgages include a refinance clause in the FHA HECM (Home Equity Conversion Mortgage) program that allows you to take advantage of the market when property values rise or programs change? It’s called the HECM-to-HECM Refinance.
This provision in the program allows you to take advantage of your current home value, possibly lower interest rates, and the most recent guidelines to get more out of your reverse mortgage.

To refinance an existing HECM, there must be a net tangible benefit for you. To see if this program is right for you, please call for a free consultation. To determine your benefit, we will need information from your current mortgage statement so we can quickly tell you if refinancing will work.

Let’s chat!

This is an Advertisement. These materials were not provided by HUD or FHA and were not approved by FHA or any government agency. The reverse mortgage borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid. Not tax advice. Consult a tax professional.

TILA Mortgage is licensed mortgage broker. NMLS ID # 2472046. An Equal Housing Lender. 206-766-8888. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply. TILA Mortgage, LLC. is not affiliated with any government agencies. CONFIDENTIALITY NOTICE - The information contained in this brochure and/or e-mail and any attachments to it are covered by the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510 – 2521, and is legally privileged and confidential.

One size doesn’t fit all. The HECM Line of Credit opens doors.Enter the Home Equity Conversion Mortgage (HECM)The HECM ...
03/19/2026

One size doesn’t fit all. The HECM Line of Credit opens doors.
Enter the Home Equity Conversion Mortgage (HECM)
The HECM was created in 1989 to assist older homeowners in maintaining their quality of life and remain in their home during retirement. It is a unique loan in that no monthly mortgage payments are required, and it converts a portion of the home’s value into tax-free cash or a line of credit.* The HECM is one of the most regulated, senior-protective, mortgage loans in the country and is insured by the FHA.

The HECM Line of Credit
One of the most overlooked yet beneficial features of the HECM is the line of credit. Unlike traditional home equity lines of credit which can be closed or reduced, this special credit line is secured and cannot be reduced if home values decrease or if interest rates increase. Even better, the unused portion of the credit line increases each month you don’t use it. Many older homeowners have set up a HECM line of credit for use by the surviving spouse to offset loss of income and much more.

Benefits of the HECM Line of Credit
Credit Line Secured
Retirement should be a worry-free time of life. Unfortunately, many older homeowners worry about having enough money to maintain their standard of living throughout their retirement years.
No Use, No Charge
You are only charged interest and insurance on the funds you use in your HECM loan. Any unused portion of the credit line does not incur these costs.

Strategic Withdrawals
Some notable financial planners have outlined strategies where retirees may choose to use part of their line of credit rather than take income from investment accounts whose value may be declining in a given year.

There When You Need It
The HECM Line of Credit is available when you need it. You simply request the funds as needed.

Let’s chat!

This is an Advertisement. These materials were not provided by HUD or FHA and were not approved by FHA or any government agency.

The reverse mortgage borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid.

Not tax advice. Consult a tax professional.

TILA Mortgage is licensed mortgage broker. NMLS ID # 2472046. An Equal Housing Lender. 206-766-8888. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply. TILA Mortgage, LLC. is not affiliated with any government agencies. CONFIDENTIALITY NOTICE - The information contained in this advertisement is covered by the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510 – 2521, and is legally privileged and confidential.

What if you could buy your next home with no monthly mortgage payments?Consider an FHA-insured mortgage program known as...
03/05/2026

What if you could buy your next home with no monthly mortgage payments?

Consider an FHA-insured mortgage program known as the Home Equity Conversion Mortgage for Purchase, or H4P.

Program specifics:
• Available to those 62 and better
• No monthly mortgage payments required
• Minimal income and credit requirements
• No employment verification in most cases
• Non-recourse loan
• FHA-insured
• Homeowner remains solely on title
• Closing costs may be refinanced into mortgage

If you dream about a new home with modern design, amenities, and low maintenance, then you owe it to yourself to learn about a powerful alternative to using traditional financing or paying cash to purchase your next home.

The Home Equity Conversion Mortgage for Purchase, or H4P for short, allows you to significantly improve your purchasing power and significantly reduce your out-of-pocket expenses.

Purchasing a new home might seem out of reach for many seniors; but by combining the cash you receive from selling your current home with the proceeds from a reverse mortgage, you may be surprised at what you can get!

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.

Let’s chat.

This is an Advertisement. These materials were not provided by HUD or FHA and were not approved by FHA or any government agency.

* - The reverse mortgage borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid.

** - Not tax advice. Consult a tax professional.

TILA Mortgage is licensed mortgage broker. NMLS ID # 2472046. An Equal Housing Lender. 206-766-8888. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply. TILA Mortgage, LLC. is not affiliated with any government agencies.

People are talking about it! Here are some questions they are asking:What is a Reverse Mortgage?The most popular revers...
02/17/2026

People are talking about it! Here are some questions they are asking:

What is a Reverse Mortgage?
The most popular reverse mortgage is the Home Equity Conversion Mortgage (“HECM”) which was created in 1989 to specifically help older homeowners meet the financial demands of retirement and aging in their home. It is a mortgage loan based on your home’s value, the youngest borrower’s age, and current interest rates. What makes the HECM so unique is that it requires no monthly mortgage payments - giving you access to funds without the financial burden of an additional monthly payment. You retain title (ownership) to your home, and the loan is ultimately repaid when you or the last surviving borrower (or non-borrowing spouse) sells the home, moves out of the home permanently, or passes away (in which case your heirs then choose to either sell the home or pay off the mortgage balance).

Who is eligible?
Homeowners with at least one borrower age 62 or older on title to the home and with sufficient equity may be eligible. The home must be the primary residence, and you must meet the basic requirements of the loan.

Does my credit score affect my eligibility?
Your credit score is not the determining factor if you are eligible for a Home Equity Conversion Mortgage. An applicant’s overall credit history, income and existing financial obligations are considered to determine if a borrower has the financial capacity to meet the ongoing obligations of the loan. In some instances, a set-aside from available funds may be required to meet future property obligations such as property taxes and insurance.

Let’s chat!

This is an Advertisement. These materials were not provided by HUD or FHA and were not approved by FHA or any government agency.

* - The reverse mortgage borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid.

** - Not tax advice. Consult a tax professional.

TILA Mortgage is licensed mortgage broker. NMLS ID # 2472046. An Equal Housing Lender. 206-766-8888. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply. TILA Mortgage, LLC. is not affiliated with any government agencies.

Did you know TILA Mortgage works with multiple national Lenders who offer proprietary reverse loans specifically designe...
02/02/2026

Did you know TILA Mortgage works with multiple national Lenders who offer proprietary reverse loans specifically designed for homeowners with high-value properties? These unique financial products allow homeowners to access a portion of their home equity while eliminating the need for monthly mortgage payments*.

Key Features of a Proprietary Reverse Loan:

• For high-value properties exceeding FHA limits

• 100% of the funds you qualify for are available in year one – unlike FHA reverse mortgages where the first-year payout is limited

• Tax-free lump sum of up to $4 million (please consult a tax advisor for specific tax rules)

• Fixed interest rates

• Pay off the primary mortgage while retaining homeownership as long as loan terms are satisfied. (A reverse mortgage is a debt.)

• Age 60 or older (due to state restrictions, some states have a higher minimum age)

• No Mortgage Insurance Premium (MIP)

• No pre-payment penalties. Pay off the loan whenever you want or make payments whenever you want.

Let’s chat!

*Borrowers must occupy home as primary residence and remain current on property taxes, homeowner’s insurance, the costs of home maintenance and any HOA fees. These products are offered by the Reverse Mortgage Lender and are not from HUD or FHA and this document was not approved by HUD, FHA, or any Government Agency.

If you have been turned down for a Home Equity Line of Credit, a cash-out refinance, or a 2nd Mortgage because of tradit...
01/20/2026

If you have been turned down for a Home Equity Line of Credit, a cash-out refinance, or a 2nd Mortgage because of traditional income-based qualification standards, you may want to consider calling TILA Mortgage today to review some other options available only to seniors. There are some very exciting and life-changing products in the marketplace today such as:

The FHA-insured Home Equity Conversion Mortgage (HECM)
Proprietary Reverse Mortgages from multiple national Lenders
A Reverse Mortgage Home Equity Line of Credit (HELOC) for Seniors **
A Reverse 2nd Mortgage

These products give you flexibility to accomplish your goals without traditional qualifying standards AND they may even have lower fees. Additionally, monthly mortgage payments are optional**.

These mortgage products could be a potential solution for you to tap into your hard-earned home equity. Call us today to discuss your options or simply better understand these products. We are your local reverse mortgage experts and we’d love to help!

** The reverse Mortgage HELOC requires monthly interest-only payments

This is an Advertisement. These materials were not provided by HUD or FHA and were not approved by FHA or any government agency.

* - The reverse mortgage borrower must meet all loan obligations, including living in the property as the principal residence and paying property charges, including property taxes, fees, hazard insurance. The borrower must maintain the home. If the borrower does not meet these loan obligations, then the loan will need to be repaid.

** - Not tax advice. Consult a tax professional.



TILA Mortgage is licensed mortgage broker. NMLS ID # 2472046. An Equal Housing Lender. 206-766-8888. All rights reserved. This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates, and programs are subject to change without prior notice. All products are subject to credit and property approval. Not all products are available in all states or for all dollar amounts. Other restrictions and limitations may apply. TILA Mortgage, LLC. is not affiliated with any government agencies. CONFIDENTIALITY NOTICE - The information contained in this brochure and/or e-mail and any attachments to it are covered by the Electronic Communications Privacy Act, 18 U.S.C. Sections 2510 – 2521, and is legally privileged and confidential. If you have received an e-mail in error, please notify the sender immediately of that fact by return e-mail and permanently delete the e-mail and any attachments to it. VIRUS DISCLAIMER: Although the sender attempts to scan e-mail and attachments for viruses, it does not guarantee that either are virus-free and accepts no liability for any damage sustained as a result of viruses.

That is the question.There are many reasons you might choose to refinance your home mortgage. Understanding how refinanc...
01/07/2026

That is the question.
There are many reasons you might choose to refinance your home mortgage. Understanding how refinancing works and the common types of refinancing available can help you make an informed decision.

The following scenarios are for example purposes only. Contact me for a personalized discussion around your refinancing options.

Tap into home equity to get access to cash.
Replace your mortgage with a new loan in which you borrow more than you owe.
Pocket the difference in cash (minus closing costs).

Refinance to save money by changing your loan’s terms.
Shorter term: Go from a 30‑year loan to a 15‑year loan:
Pay less interest over time, save thousands.
Longer term: Go from a 15‑year loan to a 30‑year loan:
Monthly mortgage payment can drop by hundreds.
Eliminate private mortgage insurance (PMI) if you have 20% equity.
Roll a piggyback loan into your first loan (they often have higher rates).
Switch from an adjustable‑rate mortgage (ARM) to a fixed‑rate loan or vice‑versa:
ARMs are suitable for people who plan to only stay in their homes a few years, need liquid cash each month, or who expect a boost to their income in the near future.

Questions to help you decide:
Will you see meaningful savings?
For example, a lower monthly payment or a shorter loan term that reduces the total interest you’ll pay.

Is your ARM about to reset?
If so, switching to a fixed‑rate loan could offer more stability.

Can you eliminate PMI?
Refinancing might help you drop this extra cost.

Will you stay in your home long enough to reach the break-even point?
That’s the moment when your savings outweigh the upfront costs. If you’re planning to move soon, refinancing may not make financial sense.

Add up all the loan fees.
Determine your monthly savings with the new lower payment.
Divide costs by savings to get the number of months until you break even (you start saving more than you spent).

Call us today to review your current mortgage, your housing plans, and your finances so you can decide if refinancing is the right decision for you!

May your holidays sparkle! Wishing you and those you hold dear a memory-making holiday season and a bright new year.
12/24/2025

May your holidays sparkle! Wishing you and those you hold dear a memory-making holiday season and a bright new year.

TILA Customers are also Friends – Happy Thanksgiving from TILA Mortgage!
11/26/2025

TILA Customers are also Friends – Happy Thanksgiving from TILA Mortgage!

The Home Equity Conversion Mortgage (HECM) is a line of credit for households where at least one borrower is age 62. * ...
11/21/2025

The Home Equity Conversion Mortgage (HECM) is a line of credit for households where at least one borrower is age 62.

* Requires no monthly mortgage payment (payments optional)
* Provides access to Cash for Home improvements, Vacations or other purchases
* Pay off your debts to reduce your monthly expenses.
* Loans are insured by the FHA!

Contact us to learn more!

Address

19125 North Creek Parkway Suite 120
Bothell, WA
98011

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

+12067668888

Website

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