Marc Emrich Reverse Mortgage Specialist Pivot Lending NMLS #920989

04/15/2026

Honored to be asked to discuss homebuying for a seminar at Pickens Technical college today.

07/08/2022

One of my best reviews ever just posted last week. Very rewarding to have happy clients!

04/19/2022

https://www-nytimes-com.cdn.ampproject.org/c/s/www.nytimes.com/2022/04/01/business/retirement-reverse-mortgages-home-equity.amp.html

Turning your home equity into cash can help pay bills and preserve other savings and investments. But they’re complicated, and not for everyone.

11/17/2021

https://www.9news.com/video/entertainment/television/programs/colorado-and-company/pivot-lending-november-16-2021/73-809160b8-5672-4e3d-bf36-925d032669e9

Call 303.952.1569 to find out if a reverse mortgage is right for you.

03/06/2021

With over 10,000 Americans turning 62 daily, reverse mortgages are gaining popularity as a valuable financial planning tool. Reverse mortgages (sometimes referred to as “home equity conversion mortgages” or HECM) give age eligible homeowners the ability to tap into equity without having to sell their home. There are several options for the disposable equity you may have.

• Take a lump sum payment to consolidate debt or take a dream vacation.
• For use as monthly income to live on.
• Create a line of credit for use as you see fit.
• Simply eliminate a monthly housing payment.

Reverse Mortgages Financing
It is worth noting as well that funds can even be used to purchase a home. If you have a large down payment (40-60%) and want to enjoy a new home without a new payment, this could be a perfect home financing option for funding.

Important Reverse Mortgage Facts:
Repayment isn’t necessary until the home is sold, if the home owner moves to another home or retirement community or passes on. You or your estate representative will be required to repay the balance of the reverse mortgage, any accrued interest, and other finance fees when your home is sold or can no longer use it as your primary residence. Once the home is sold, any remaining equity will belong to you or your heirs. Please also note that your heirs will have protection if the home is sold for less than what is owed.

There are many situations where a reverse mortgage is beneficial. For example, if you are a homeowner over 62 years of age, you can start a reverse mortgage to delay your Social Security benefits. Delaying Social Security benefits is often claimed as one of the best investment strategies for someone at this age. Our home mortgage financing experts will work with you to discuss your situation and explore if it might be the right type of loan for you. Use our contact form above to learn answers to additional questions such as “How does a reverse mortgage work?”

Our home mortgage financing experts will work with you to discuss your situation and explore if it might the right type of loan for you.

04/10/2019

A reverse mortgage can help many of us boomers who are in this situation.

It's National Retirement Planning Week, which means it's time for another round of depressing stats about how unprepared we all are for retirement.

01/17/2019

HUD initiated a second appraisal policy during the last quarter of 2018. I have had to order a second appraisal on one property so far and it is not fun. Nor do I think it is fair to my clients. If you do a reverse mortgage with my company, and a second appraisal is required, we will cover the cost of that second appraisal initial inspection.

The Federal Housing Administration (FHA) recently announced that it will begin requiring lenders ori...

07/13/2017

Good article about the HECM mortgage versus a Home Equity Line of Credit.
https://toolsforretirementplanning.com/2017/07/10/do-you-prefer-a-reloc-or-heloc/

HELOCs (Home Equity Lines of Credit) are widely used. Simply having one makes many people more comfortable. My wife and I had a standby HELOC for many years – ready to use as a convenience or…

05/25/2017

https://www.washingtonpost.com/realestate/seniors-looking-to-downsize-their-homes-may-want-to-consider-this-reverse-mortgage-option/2017/05/18/b66dd268-2f4c-11e7-9534-00e4656c22aa_story.html?utm_term=.83d41826cb4f

The Home Equity Conversion Mortgage for Purchase allows you to buy a house using a reverse mortgage loan.

05/09/2017

Great segment on revese mortgages that appeared on Fox's Property Man show last month.

'The Property Man' Bob Massi examines the process