Reverse Mortgage Colorado

Reverse Mortgage Colorado Reverse Mortgage Colorado teaches you the facts about the FHA insured HECM reverse mortgage program.

You get accurate information to make an educated decision if a reverse mortgage is right for your particular situation. You will get accurate facts from an expert with over 13 years in the reverse mortgage business as well as hear from actual borrowers who have used a reverse mortgage to live a more comfortable and secure retirement.

I often get asked what actually happens "under the hood" once your reverse mortgage is in place. 🚗Many folks I talk to w...
05/28/2026

I often get asked what actually happens "under the hood" once your reverse mortgage is in place. 🚗

Many folks I talk to worry that a reverse mortgage means giving up control of their home, but I can tell you it’s actually the opposite. In my latest episode of the Under the Hood podcast, I explain why the FHA guidelines are designed to protect your independence and your home equity.

To keep your loan in good standing and ensure you (and your heirs) stay protected, I always emphasize these 5 simple "Rules of the Road":

1️⃣ Live in the home as your primary residence.
2️⃣ Stay current on your property taxes.
3️⃣ Keep your homeowner’s insurance active.
4️⃣ Maintain the home in good condition.
5️⃣ Keep your name on the title (it’s still YOUR home!).

That’s it. No hidden catches: just clear guidelines I use to help you age in place with peace of mind.

Curious about how I use these rules to protect the FHA insurance fund: and your other assets? Tune in to the full episode where I pull back the curtain on how the program really works.

Listen to the full episode here: https://reverse-mortgage-colorado.net/podcast/reverse-mortgage-rules-under-the-hood

I just returned from the Reverse Mortgage Mastermind Summit in Knoxville, and came back with a message that truly hits h...
05/27/2026

I just returned from the Reverse Mortgage Mastermind Summit in Knoxville, and came back with a message that truly hits home for our team.

While most think of mortgages as piles of paperwork and confusing fine print, the biggest takeaway from the industry's top minds was simple: It’s not about the paperwork. It’s about the "people work."

There is a massive shift happening in our industry. Professionals aren’t just looking at loan-to-value ratios; they are looking at how to help you live a better, more secure life in the home you love. The energy in Knoxville was centered around one goal: finding the best ways for seniors to age in place with dignity and financial peace of mind.

It’s about building genuine relationships and understanding your unique goals, rather than just closing a deal.

Curious about what else Bruce learned at the summit? Tune in to the latest podcast episode where he shares the behind-the-scenes insights.

Learn more here: https://reverse-mortgage-colorado.net/podcast/whats-changing-in-reverse-mortgages/

💡

Think a fixed rate is the 'safe' choice for your reverse mortgage? You might want to think again. 🏠In the world of rever...
05/26/2026

Think a fixed rate is the 'safe' choice for your reverse mortgage? You might want to think again. 🏠

In the world of reverse mortgages, what sounds 'safe' can actually limit your options. Bruce Simmons, our Reverse Mortgage Professor, often sees homeowners choose a fixed rate because it’s what they know: but they end up missing out on the most powerful part of the program.

Why the Adjustable Rate is often the smarter move:

💡 The Growing Line of Credit: Your unused funds actually grow over time, giving you more access to cash later.
💡 Total Flexibility: Take only what you need, when you need it. Fixed rates force you into a one-time lump sum.
💡 Market Benefits: If interest rates drop, your adjustable rate can go down automatically. With a fixed rate, you'd have to pay to refinance.

Fixed rates have their place, but for most seniors looking for a safety net that lasts, the flexibility of an adjustable rate is hard to beat.

Listen to Bruce's full breakdown of the "Rate Debate" here:
https://reverse-mortgage-colorado.net/podcast/understanding-reverse-mortgage-interest-rates/

Ever feel like planning for retirement is a lot like planning a big vacation?You do the research, pack carefully, and ge...
05/24/2026

Ever feel like planning for retirement is a lot like planning a big vacation?

You do the research, pack carefully, and get everything ready. But then comes the travel day: security lines, waiting at the gate, and maybe a little turbulence mid-flight. It’s stressful, but you don’t turn the plane around. Why? Because you know exactly what’s waiting on the other side. 🏖️

In our latest podcast, we talk about the 'Beach Moment' of a reverse mortgage. That specific feeling of landing, walking out onto the sand, and finally exhaling.

Sure, the process might have some turbulence. Underwriting asks for more documents, or HOAs take their time responding. But when you land?

✅ No more monthly mortgage payments.
✅ A growing line of credit for the future.
✅ The peace of mind to finally relax in the home you love.

The paperwork 'turbulence' is temporary, but the destination is life-changing. ✈️

Find out how we navigate the journey for you:
https://reverse-mortgage-colorado.net/podcast/navigating-the-turbulence-of-your-reverse-mortgage-journey/

We often hear from homeowners who feel a deep responsibility to leave their home to their children. It’s a generous goal...
05/22/2026

We often hear from homeowners who feel a deep responsibility to leave their home to their children. It’s a generous goal, but if you ask most kids, they’ll tell you the same thing: they’d much rather have more time and shared experiences with you now than a property later on.

Think about being able to say "yes" to that flight to see the grandkids, or finally taking the family trip you’ve talked about for years. ✈️🏠

A reverse mortgage is a tool that allows you to stay in the home you love while tapping into the equity you've built to fund the life you want to live today. It’s about reframing your home from just a physical asset to a way to stay independent and present for the moments that matter most.

In our latest podcast episode, we explore why using your home equity for family time is often the best gift you can give your children. It's about choosing memories over bricks.

🎧 Listen to the full episode here: https://reverse-mortgage-colorado.net/podcast/3-reasons-a-reverse-mortgage-is-actually-good-for-your-kids/

"My house is a mess... will I still qualify?"It’s the #1 thing people are embarrassed about when Bruce comes to visit. ...
05/20/2026

"My house is a mess... will I still qualify?"

It’s the #1 thing people are embarrassed about when Bruce comes to visit. But here’s the truth: appraisers aren’t there to judge your housekeeping. A few piles of mail or a lived-in look won't stop your loan. The only time "clutter" becomes an issue is if it blocks access to rooms or creates a safety hazard. We’re here to help you navigate the process without the stress: no "perfect" house required.

Get the facts on clutter and appraisals: https://reverse-mortgage-colorado.net/podcast/is-your-house-ready-for-a-reverse-mortgage/

Ever felt like you were seeing double on a reverse mortgage quote? You’re not alone.A common question we hear from Color...
05/19/2026

Ever felt like you were seeing double on a reverse mortgage quote? You’re not alone.

A common question we hear from Colorado homeowners is: “Why are there two different interest rates?” It can be confusing, but here’s the simple breakdown of how the HECM program works:

1. The Expected Rate: Think of this as the Calculation Rate. It’s a 10-year projection used to determine exactly how much of your home’s equity you can access.

2. The Initial Rate: This is your Actual Rate: the interest you are actually charged on your loan balance from day one.

Our expert Bruce Simmons tracks these rates daily. His goal is to find the sweet spot for you: the highest possible loan amount with the lowest possible interest cost. It’s about personalized math, not a one-size-fits-all guess.

Curious how these rates affect your retirement security? Bruce breaks it all down in our latest podcast episode.

Tune in here: https://reverse-mortgage-colorado.net/podcast/understanding-reverse-mortgage-interest-rates/

I’ve seen a lot of folks look at a reverse mortgage quote and get confused by the two different interest rates. It can f...
05/18/2026

I’ve seen a lot of folks look at a reverse mortgage quote and get confused by the two different interest rates. It can feel a bit like a math test you didn't study for, but I’m here to clear that up.

In this week’s "Under the Hood" podcast episode, I’m breaking down the difference between the Initial Rate and the Expected Rate.

Here’s the simple version I use to explain it:
- The Initial Rate is what I actually charge you on the balance you've borrowed.
- The Expected Rate is a 10-year projection I use to calculate your "Principal Limit", basically, the maximum amount of cash you can actually access.

One is for the "now," and one is for the "how much."

I believe that understanding the "why" behind these rules makes the whole process feel less like a mystery and more like a clear, solid plan for your retirement.

Listen to my full breakdown here: https://reverse-mortgage-colorado.net/podcast/reverse-mortgage-rules-under-the-hood

You’ve signed your reverse mortgage application. Whew! Now... what exactly happens during the next 30 days?It’s easy to ...
05/17/2026

You’ve signed your reverse mortgage application. Whew! Now... what exactly happens during the next 30 days?

It’s easy to feel like you’ve entered a "black box" once the paperwork is done. Bruce Simmons (our Reverse Mortgage Professor) likes to think of this stage like a flight. You’ve boarded the plane, and Bruce is your "Captain." 👨‍✈️

His job? To look ahead for potential "turbulence" and guide you to a smooth landing. Here is the nitty-gritty of what happens behind the scenes:

🏠 The Appraisal: Usually the longest step. FHA checks for safety issues like sturdy handrails or peeling paint.

🔍 The Title Search: We ensure there are no surprise liens or old judgments hiding on the title.

📋 Verification: We check 24 months of property taxes and HOA dues. If an HOA is slow to respond, that’s where the turbulence hits!

The goal isn't just the loan; it's the destination: the peace of mind of having a safety net. 🏖️

Tune into the full episode here:
https://reverse-mortgage-colorado.net/podcast/navigating-the-turbulence-of-your-reverse-mortgage-journey/

Address

1932 W 33rd Avenue
Denver, CO
80211

Opening Hours

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

Telephone

+13034677821

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