Larger Legacy - Reverse Mortgage Loans

11/02/2026

Ever looked at your loan documents and been confused about what everything actually means?

If Parents Were Honest Ep. 4, “Nuts and Bolts.” Learn what some common reverse mortgage terminology represents.

Questions or a free quote: https://www.largerlegacy.com · 651-315-7681



Larger Legacy — Jay Dacey Mortgage Team, Inc. NMLS 1812066
Jay Dacey NMLS 375033
Licensed MN, WI, FL, ND
largerlegacy.com — 651-315-7681
Educational only — not a commitment to lend. Borrower remains responsible for property taxes, homeowners insurance, and HOA dues.

10/23/2026

Out in the community this week giving a HECM 101 presentation. Thanks to all for the great conversations!

Message us if you’re interested in having Ben speak at your event or office.

Jay Dacey Mortgage Team NMLS 1812066
Jaydacey.com — 651-315-7681
Equal housing lender
Ben Bina NMLS 2729340

10/19/2026

If parents were honest about reverse mortgage loans… trick or treat? 🎃

If Parents Were Honest Ep 2

To run a free scenario on your home, visit the link in our bio or call 651-315-7681.



Larger Legacy — Jay Dacey Mortgage Team, Inc. NMLS 1812066
Ben Bina NMLS 2729340
Licensed MN, WI, FL, ND
largerlegacy.com — 651-315-7681
Educational only — not a commitment to lend. Borrower remains responsible for property taxes, homeowners insurance, and HOA dues.

09/30/2026

The truth about reverse mortgage loans ...

Episode 1 - A short kitchen-table skit about the awkward money talk families put off. One honest, accurate beat at the end.

If you have questions or want to learn more, visit largerlegacy.com or call 651-315-7681

https://youtube.com/shorts/XxIYBKa35HA?si=xM-4f4Gr_SiSmJdS

The truth about reverse mortgage loans...Episode 1 - A short kitc...

09/28/2026

A week after paying $108.98 to fill my 2015 sedan, I paid $107.52 - at Costco.

Even when you find a better price, rising everyday expenses can create real pressure in retirement.

If you are 62 or older, have substantial home equity, and are still making a monthly mortgage payment, a reverse mortgage may be one strategy worth evaluating.

It is not right for everyone. But it may help qualified homeowners explore options such as:

✅ Reducing portfolio distributions

✅ Creating more monthly cash-flow flexibility

✅ Eliminating required monthly principal and interest payments

The first step is not deciding yes or no.

It is understanding what may be possible for your situation.
Book a short call to explore your options.

09/15/2026

$108.98 to fill my 2015 sedan.

That number made me pause.

For retirees, rising everyday expenses can create a bigger question:

How do I preserve my retirement income when everything costs more?

If you are 62 or older, have significant home equity, and are still making a monthly mortgage payment, you may have another option to evaluate.

A reverse mortgage loan may help qualified homeowners:

✅ Reduce portfolio withdrawals
✅ Improve monthly cash-flow flexibility
✅ Remove required monthly principal and interest payments
✅ Access home equity without selling the home

The right question is not, “Are reverse mortgages good or bad?”

It is:

“Could this strategy improve my retirement plan based on my goals and financial picture?”

A 15-minute conversation can help you understand what may be possible, what the tradeoffs are, and whether it is worth exploring further.

Send me a message to review your options. No pressure, just clarity.

09/10/2026

You can take my word for it ... and 332 other 5-star reviews: The Jay Dacey Mortgage Team makes finding the right solution easy and enjoyable.

If you're open to learning something new, like being curious, and want to explore a new level of freedom, call us today. 332 others can't be wrong!

08/27/2026

A client’s retirement plan can look solid until one funding source runs short.

For financial advisors, that could mean a down market, depleted cash reserves, unexpected healthcare costs, or a major home expense.

Before a client is forced into a rushed decision, home equity may deserve a closer look.

For some eligible homeowners, a reverse mortgage loan may provide funds through a line of credit, monthly advances, a lump sum, or a combination of options.

It is not right for every homeowner, and loan obligations still apply. But it may be a resource worth evaluating alongside a client’s other assets.

Watch the video to learn what financial advisors should consider before presenting this option.

To book a Reverse Mortgage 101 CE session for your team, message me “CE” and we'll find a date and time that works for your team.

06/29/2026

Most people think the “surprise” in a reverse mortgage is going to be bad.

A hidden catch.
A scary fine-print moment.
The part where someone says, “See, I knew it was too good to be true.”

But after homeowners understand how today’s FHA-insured reverse mortgage loan actually works, the surprise is often very different.

It can be flexibility.
It can be relief.
It can be options they didn't know existed.

In this 90-second video, I explain why it may create more breathing room than many people expect.

The product is not right for everyone.
But misunderstanding it helps no one.

Watch the video.
Stay curious.

And if it raises a question for you, let’s connect.

As always, I have one rule for the first conversation:

You are not allowed to buy anything.

06/17/2026

2 hour drive
4 am wakeup call
6:30 flight
10:00 am seminar
1 reason ...