Shana Roach,Certified Reverse Mtg Professional

09/16/2026

https://youtu.be/Us7Wdppygyo?is=3Vz-AC3PorbmqVip

A reverse mortgage transaction nearly stalled over a $17,000 subord...

09/07/2026

08/15/2026

5.0 star review received on Experience.com for Shana Roach by Kim L V - Shana made it great I felt trust in her she was always honest and I always felt she was on my side she stuck with me through everything if every employee had her great skills your company would be a1 I also trust mutual of Omaha it is a very good and reliable company

Click to see all 140 reviews of Shana Roach, Certified Reverse Mortgage Professional

08/07/2026

We had a major WIN today.

Vicki took out a forgivable silent second rehab loan through Mohave County in 2018. It is a 15 year loan and subordinate to Vicki’s existing 1st mortgage. She refinanced her loan in 2021 and the County agreed to subordinate. Fast forward to 2026 and now Vicki wants to refinance her 1st into a HECM, take some cash out to replace her 40 year old windows and be able to afford the electric bill to run her A/C.

The County declined to subordinate; they wanted to be paid off and use that $17,000 for other County programs.

Vicki had explained to the facilitator in 2018 that her goal when she was 67 was to retire fully, collect social security, get a reverse mortgage and live out her retirement in her home. Vicki expected that to be the case when she called me.

A County representative came from Kingman to Lake Havasu to talk to Vicki and see the house. We toured the home and it was HOT. We plead our case and the representative went back with a whole host of reasons why they should agree to subordinate. THEY DID AGREE.

Escrow prepared the subordination agreements, Vicki and the County signed them and we closed and recorded in August. Vicki has funds in her account to order new windows and turned the A/C on.

Subordinate financing is rarely used with reverse mortgages, but it made sense this time and Mutual of Omaha agreed.

07/16/2026

https://www.jchs.harvard.edu/blog/many-owners-cannot-afford-maintain-aging-homes

Average improvement and repair spending increases considerably as homes age past 20 years, and remains elevated as core components and systems cycle through their useful lives.

The H4P, or Reverse for Purchase can fit into a plan for a senior homeowner to sell, then buy a more suitable home and age in place.

Let’s talk about options 

07/10/2026

Here’s a little fun for your Friday. Enjoy!

06/01/2026

5.0 star review received on Experience.com for Shana Roach by James R S - Shana was a joy to work with. Thank You Shana Penny and Jim

Click to see all 137 reviews of Shana Roach, Reverse Mortgage Advisor

05/28/2026

Ask questions and get answers!

05/14/2026

Want to know more? Reach out to learn how a Reverse Mortgage can align with your estate planning goals.

05/08/2026

Don’t let myths hold you back from making the best financial decisions for your future! If you want to learn more about how a reverse mortgage can work for you, contact me today!