Michele Morse Reen at Direct Mortgage Funding

Michele Morse Reen at Direct Mortgage Funding Golden Empire Mortgage, Inc. D/B/A Direct Mortgage Funding. NMLS #2427
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Your trusted mortgage experts for over 30 years helping guide every chapter of homeownership - from first time buyers to seasoned investors, reverse mortgages to creative second loan solutions.

Thinking about retirement cash flow, but not sure where home equity fits?Join us for a free Zoom webinar:Rethinking Reve...
06/09/2026

Thinking about retirement cash flow, but not sure where home equity fits?

Join us for a free Zoom webinar:

Rethinking Reverse Mortgages
Modern Home Equity Strategies for Today’s Retirees
Wednesday, June 17 | 6:30–7:30 PM on Zoom

We’ll cover how today’s reverse mortgages have changed, what borrower protections are built in, when a reverse mortgage may or may not make sense, and how newer HELOC and second mortgage options may provide flexibility without refinancing your current first mortgage.

This is designed for homeowners, adult children helping parents plan, financial planners, and real estate professionals who want a clearer understanding of modern home equity strategies.

Register here: https://forms.office.com/r/M1dYj7ZWAv

Reverse mortgages and home equity products are not right for everyone. Borrowers must meet program requirements and continue to pay property taxes, homeowners insurance, HOA dues if applicable, and maintain the home.

TONIGHT: Homebuyer Workshop with Michele & Mike Reen RSVP Today: https://forms.office.com/r/Jwid1FX8BxIn this workshop, ...
05/28/2026

TONIGHT: Homebuyer Workshop with Michele & Mike Reen RSVP Today: https://forms.office.com/r/Jwid1FX8Bx

In this workshop, you’ll discover:
• How you may be able to buy with less money than you expected
• What your housing expenses could really look like
• How your credit impacts your options (and how to improve it)
• The exact steps to go from renting to owning with confidence
• Updates on the down payment assistance programs
We can’t wait to see you on Zoom!

05/25/2026
If you’re updating your flag this holiday weekend, the American Legion Hall has a flag disposal drop box available for t...
05/21/2026

If you’re updating your flag this holiday weekend, the American Legion Hall has a flag disposal drop box available for the community.

If you missed the last Homebuyers Workshop, we’re hosting one more before summer…We just opened registration for our nex...
05/14/2026

If you missed the last Homebuyers Workshop, we’re hosting one more before summer…

We just opened registration for our next one on May 28 at 6:30 - 7:45 PM on ZOOM. Would you like me to save you a seat?

In this workshop, you’ll discover:
• How you may be able to buy with less money than you expected
• What your housing expenses could really look like
• How your credit impacts your options (and how to improve it)
• The exact steps to go from renting to owning with confidence
• A clear plan tailored to your situation

We’ve helped many buyers navigate this process, and our goal is simple: Help you understand your options and make confident decisions

Please share with your friends, family, and coworkers!

RSVP: https://forms.gle/osSr9H5Eb66oL2MJ6
Or call 408.813.4729

Many people come to our reverse mortgage workshops unsure of what to expect.  Our goal is simple:Provide clear informati...
05/07/2026

Many people come to our reverse mortgage workshops unsure of what to expect. Our goal is simple:
Provide clear information, answer questions honestly, and help families understand all of their options.

We appreciate everyone who joined us for our recent workshop and shared such thoughtful feedback afterward.

If you’d like to attend a future session or have questions about reverse mortgages, retirement planning, or aging in place, feel free to reach out! 408.813.4729

— Michele

Thinking about a reverse mortgage? This workshop might be helpful… but it’s not for everyone. Here’s who this is FOR:💎 H...
04/21/2026

Thinking about a reverse mortgage? This workshop might be helpful… but it’s not for everyone.

Here’s who this is FOR:
💎 Homeowners age 55+ (62+ in some cases)
💎 People who want to explore accessing home equity without monthly payments
💎 Those looking to improve cash flow in retirement
💎 Anyone curious about how reverse mortgages have changed in recent years

And who this is NOT for:
❌ People under age 55 *unless there is another borrower over 55!
❌ Anyone looking for a temporary or short-term loan *unless a reverse SECOND loan might be the solution you are looking for!
❌ Anyone expecting a payment requirement *unless you WANT to make payments, reverse mortgages can be paid down!
❌ Anyone planning to move soon *unless you want to use a reverse mortgage to purchase a new home and keep more funds in the bank!

We’re hosting a short online workshop to walk through how this works today and answer questions.
If you (or someone you know) might benefit, we’d love to have you join us. Call me at 408.813.4729 to learn more and register!!

Some events are about information… Others turn into real conversations. Last night’s Homebuyer Workshop was one of those...
04/17/2026

Some events are about information… Others turn into real conversations. Last night’s Homebuyer Workshop was one of those. What stood out most was the engagement and feedback.

“This is so informative; if you made a commercial to sum up this presentation, it would be the hottest thing since sliced bread!”
“Excellent… we will be in touch; thank you both very much 😍 ”
“SO helpful.”

That’s exactly why we do these.

Buying a home in today’s market isn’t just about rates or programs, it’s about having a clear path and understanding your options.

If you missed this one, we’ll be doing more soon.
And if you’re already thinking about buying, we’re always happy to map things out with you one-on-one.

Reminder, one day away!  Here's your chance to begin building generational wealth :) Just let us know if you or someone ...
04/15/2026

Reminder, one day away! Here's your chance to begin building generational wealth :) Just let us know if you or someone you know can make it! 408.813.4729

You’ve been thinking about owning a home…
but it’s hard to know where to start, how much you need, or if it’s even possible right now. That’s where having a clear plan makes all the difference.
Join us for a simple, no-pressure workshop where you’ll learn how to move from thinking about buying to actually having a path forward.

I will present our workshop on ZOOM from 6:30 to 7:45 PM on Thursday April 16th. We look forward to seeing you!

In this workshop, you’ll discover:
How you may be able to buy with less money than you expected
What your housing expenses could really look like
How your credit impacts your options (and how to improve it)
The exact steps to go from renting to owning with confidence
A clear plan tailored to your situation
We’ve helped many buyers navigate this process, and our goal is simple:

Help you understand your options and make confident decisions

Please share with your friends, family, and coworkers!

RSVP: https://forms.office.com/r/1iCr5VhCWQ
Or call 408.813.4729

Address

Los Gatos, CA

Opening Hours

Monday 9am - 5pm
Tuesday 9am - 5pm
Wednesday 9am - 5pm
Thursday 9am - 5pm
Friday 9am - 5pm

Telephone

+14086261879

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