Joel D. Dyke - Loan Originator - NMLS #225133

07/01/2025

As we age, spending more time alone becomes common—but social isolation and loneliness can take a serious toll on our health. They’re linked to:

Higher risk of heart disease, depression & dementia
Longer hospital stays & lower quality of life
Weakened immunity & chronic inflammation

The good news? Staying connected—through friends, family, community programs, or even video chats—can boost mental and physical well-being.

Check out these tips from the National Council on Aging for staying connected and protecting your health as you age: https://bit.ly/3TlmU67

06/26/2025

With a Home Equity Conversion Mortgage (HECM, reverse), you won’t have monthly mortgage payments—but you’re still responsible for key property charges, including taxes and insurance. And those costs can add up.

In fact, according to the U.S. Census Bureau:
• Over 5.3 million U.S. households paid more than $4,000 in property insurance in 2023
• The most expensive states weren’t just coastal—many were in the South and Midwest
• Top 5 highest-cost states: Florida, Louisiana, Oklahoma, Texas, and Mississippi
• Some states, like Nevada and Maine, averaged under $1,000 per year

Learn more: https://bit.ly/3HYSNik
When budgeting for a reverse mortgage, don’t forget to factor in local property charges—because location really does matter.

American Community Survey data show the price of property insurance varied widely across the nation, but every region had pockets of high cost.

06/24/2025

Nearly 7 million Americans are living with Alzheimer’s today—and that number is expected to rise.
While we can’t change our genetics, we can make lifestyle choices that may help reduce our risk of dementia. From staying physically active to managing chronic conditions, small steps can support long-term brain health.

Learn more: https://hubs.la/Q03stHg00

06/17/2025

More than 90% of older adults experience ageism. It shows up in everyday phrases like “senior moment” or “you look great for your age.” It’s time to challenge outdated narratives. Aging brings strength, purpose, and wisdom. Let’s reframe aging—and build a more inclusive future.

06/12/2025

Reverse took center stage at HousingWire’s as Fairway’s Dan Ventura and Longbridge’s Chris Mayer broke down the real challenges—and the massive opportunities—of serving the 62+ homeowner market.

Education, innovation, and untapped potential were the themes. We’re proud to be shaping the future of home equity solutions.

Read Now: https://hubs.la/Q03rRpfj0

Two reverse mortgage industry leaders break down some of the challenges and opportunities of serving senior homeowners.

06/10/2025

A trust is a legal tool that helps manage your assets during life and after. Unlike a will, it can bypass probate—saving time, money, and hassle.

Key Facts:
• You stay the beneficiary while living
• Assets (like bank accounts and real estate) must be moved into the trust
• The trustee can act right away after death

Reverse Mortgage Basics & Trusts:
Reverse borrower = sole current beneficiary
Trustee must be involved in the process
The borrower is you—not the trust

Types of Trusts:
• Revocable: Easiest and reverse-friendly
• Irrevocable: Possible with planning
• Testamentary: Not eligible unless converted

Have a trust and considering a reverse mortgage? Let’s make sure it’s set up to work in your favor. Reach out with questions!

06/05/2025

Aging in place is about more than staying in a familiar home—it’s about staying connected, supported, and empowered. For many older adults, a strong circle of care makes all the difference. Family and friends can offer emotional support and check-ins, while professional services provide essential help with daily activities like transportation, meals, or personal care. Community programs and senior centers also play a vital role in promoting social connection, wellness, and purpose. Together, these resources help ensure that aging in place doesn't mean aging alone.

Let’s support aging with dignity, connection, and care.

06/03/2025

We’re honored! CBS News has once again named Fairway Independent Mortgage the Best Overall Reverse Mortgage Company.

Here’s why:
- Personalized, in-person support across a nationwide network
- A+ BBB rating & stellar customer reviews
- Flexible disbursement options (lump sum, monthly, or line of credit)
It’s all part of helping older American homeowners unlock home equity with confidence.

Read now: https://hubs.la/Q03pLtW-0

In today's economic climate, a reverse mortgage can help some seniors. Here are some of the best companies to choose from.

05/29/2025

As costs rise and pensions shrink, home equity could be a key tool for building cash flow and security in retirement.

05/27/2025

Still holding onto your low-rate mortgage from before 2022? You're not alone. But what if you need to tap into your equity?

Before assuming a cash-out refinance or HELOC is your only choice, check out our latest blog. We explore today’s interest rate realities and highlight a lesser-known, powerful home loan designed specifically for older homeowners.

Read now: https://bit.ly/4jpDiwN

05/22/2025

Retirement can be a thrilling new chapter, full of opportunities to explore, grow, and enjoy life on your own terms.

How will you spend your time? Stay healthy? Stay connected? Challenge yourself?

Here are 5 essential goals to help you design a full and rewarding retirement:
1. Find a cause or organization to volunteer with to maintain purpose and routine.
2. Discover activities you enjoy to stay active, energized, and healthy.
3. Build a new social circle outside of work to stay connected and engaged.
4. Explore hobbies or creative outlets just for the joy of it.
5. Invest in personal growth through learning, reading, or trying something entirely new.

Retirement is your opportunity to redefine life on your terms--make the most of it.