Jeff Timian CDLP

Jeff Timian CDLP Located in Denver, CO and licensed in AL, AZ, CO, FL, SC, TX.

Jeff Timian, Reverse Loan Specialist, CDLP, CSA certified Mortgage Loan Originator, powered by NEXA Mortgage, NMLS #1550951, AZ-BK-2006218, Licensed in AL, AZ, CO, FL, SC, TX Corporate NMLS #: 1660690
Company State License #: AZMB - 094409
Corporate Address 3100 W Ray Rd STE 201 Office # 209, Chandler AZ 85226
In my 40 years in the financial service, I have spent the last 22 in mortgages, using my

expertise to complete over 800 loans in pursuit of helping homeowners achieve their dreams. A late in life divorce taught me the importance of a lender who understands the complex financial and emotional issues surrounding divorce. Because of this, I have brought my exemplary experience and technical skills to help homeowners, with a specialization in divorce lending.https://assets-us-01.kc-usercontent.com/a6ffb754-748e-006e-d2fb-89ac413005fe/fa4f6360-66eb-4df1-b9e5-c4b277b62972/TX%20Compliant%20Disclosure.pdf

Comment HELOC
03/21/2026

Comment HELOC

I have a solid way to bring the luck of the Irish your way. It's through your home equity! Give me a call. I will let yo...
03/17/2026

I have a solid way to bring the luck of the Irish your way. It's through your home equity! Give me a call. I will let you in on the green secret!

How much retirement income can your home produce?Most retired people have 60-70% of their net worth in home equity.It’s ...
03/13/2026

How much retirement income can your home produce?

Most retired people have 60-70% of their net worth in home equity.

It’s only accessed when you sell your home, which comes at a cost. Most realtors’ commissions earn 5-7% of the total cost of your home.

You may get a line of credit from a bank, but this means you are paying back what you withdrew. In economic downturns, a line of credit may be reduced, frozen, or cancelled.

There’s another way. Would you like a line of credit that grows every year, can never be recalled, frozen, or reduced like a bank’s conventional line of credit?

How about a line of credit where making payments is an option? Too good to be true?

Do you have questions? I‘m here to answer your questions and see if you qualify. Give me a call.



Can you handle the rising costs of homeownership, including the increase in taxes and HOA fees? You may have your home p...
03/05/2026

Can you handle the rising costs of homeownership, including the increase in taxes and HOA fees?

You may have your home paid off or have a large equity, but as a retiree, can you keep up with the rising costs of owning a home?
The US Census Bureau reports that monthly owner costs for housing is rising.

“One way we measure housing affordability is based on how much households spend on selected costs such as mortgage payments, insurance, taxes, utilities, and various fees,” said Jacob Fabina, a Census Bureau economist. “In 2024, the median percentage of income householders with a mortgage spent on these costs was 21.4%, which points to an increased burden on homeowners.”(1)

The rising cost of home association fees and condominium fees is affecting homeowners significantly in certain areas and cities. The Average monthly HOA costs hit $135 in 2025, according to the US Census, which is an 8% increase year-over-year. (2)

Other expenses include insurance costs, property taxes, mortgage, and utility expenses.

If you are on a fixed income, how will you adjust to these increases?
There is a way. If you qualify, a portion of your equity can be used for rising costs while you keep your home. Proceeds from a reverse mortgage are tax-free.3 Many retirees use proceeds to reduce their taxable income while still gaining interest to keep their home and keep up with the rising costs of ownership. (3)

https://www.census.gov/newsroom/press-releases/2025/acs-1-year-estimates.html
https://www.census.gov/library/stories/2025/09/condo-hoa-fees.html
Harlan J. Accola, Home Equity and Reverse Mortgages, 2018.



Olympic Gold: The Women’s US Hockey Team Comes From Behind!As a former hockey player, I am thrilled to witness the Women...
02/22/2026

Olympic Gold: The Women’s US Hockey Team Comes From Behind!

As a former hockey player, I am thrilled to witness the Women’s US Hockey Team beat Canada in the gold!
“A come-from-behind victory over their bitter rivals bolsters this talented American roster’s case as the best women’s hockey team their country has ever produced. The U.S. had flattened everything in its path before the gold-medal match, outscoring its first six opponents 31-1 and not giving up a goal for 16 consecutive periods.”
Yahoo sports

For decades, women’s Olympic hockey was dominated by Canada. The US Women’s team and coach, Hilary Knight, were determined and undaunted by the Canadians. In the last few minutes of overtime, Knight became the all-time leader in USA women’s Olympic scoring with 15 career goals.

Congrats to the US Medal Winners!




This past week, I had the pleasure of hosting a quarterly forum I call Wealth & Wellness. My goal is to provide Senior a...
02/13/2026

This past week, I had the pleasure of hosting a quarterly forum I call Wealth & Wellness. My goal is to provide Senior audiences with useful information regarding finance, retirement, using home equity while keeping your home or buying a new one, and wellness issues.
Experts in these areas generously volunteer their time to speak. I host these free meetings at the Rendezvous Restaurant in Heather Gardens.
Special thanks go to Loren Riddick, Board member of the National Reverse Mortgage Lenders Association (NRMLA), Ryan Turbyfill, Investment planner, Amy Lane, consultant for the aging, and Brigitte Archer, Certified Reverse Mortgage Professional (CRMP).
Wine tasting and good food, along with great information and Q & A's from the audience.



This past week, I had the pleasure of hosting a quarterly forum I call Wealth & Wellness. My goal is to provide Senior a...
02/13/2026

This past week, I had the pleasure of hosting a quarterly forum I call Wealth & Wellness. My goal is to provide Senior audiences with useful information regarding finance, retirement, using home equity while keeping your home or buying a new one, and wellness issues.
Experts in these areas generously volunteer their time to speak. I host these free meetings at the Rendezvous Restaurant in Heather Gardens.
Special thanks go to Loren Riddick, Board member of the National Reverse Mortgage Lenders Association (NRMLA), Ryan Turbyfill, Investment planner, Amy Lane, consultant for the aging, and Brigitte Archer, Certified Reverse Mortgage Professional (CRMP).
Wine tasting and good food, along with great information and Q & A's from the audience.



If you believe the myths and don’t have the facts, you may be missing out on gaining Financial Strength Myths and misinf...
01/31/2026

If you believe the myths and don’t have the facts, you may be missing out on gaining Financial Strength

Myths and misinformation keep people from knowing the facts about Home Equity Conversion Mortgage (aka Reverse Mortgage)

Reverse Mortgage Myths
1. You immediately transfer ownership of your home.
2. It’s only for people with no retirement savings.
3. It’s free money.

Reverse Mortgage Facts
1. You retain title to your home as long as you meet the loan guidelines & requirements, such as: maintaining the property, paying all property charges such as property taxes, homeowners insurance, flood insurance, and homeowners association dues (if applicable), and avoiding extended absences from the home longer than six months.*
2. Many retirees use a reverse mortgage.
3. It’s a specialized loan. However, program rates, fees, terms, and conditions are not available in all states and are subject to change.
4. Failure to comply with the loan terms could result in a foreclosure, just like any other mortgage.*
5. Reverse mortgages that are FHA-insured (Home Equity Conversion Mortgages) are insured by the Federal Housing Administration, protecting both borrowers, lenders, and beneficiaries.




He is feeling secure regarding his retirement plan, but he is among the few Americans in good shape for retirement. Ther...
01/23/2026

He is feeling secure regarding his retirement plan, but he is among the few Americans in good shape for retirement.

There is a retirement crisis in the US. The National Retirement Risk Index reveals that “ … 39% of today’s working-age households will not be able to maintain their standard of living in retirement. That number may be artificially low because rising home prices, pandemic-era savings, and strong stock market gains temporarily inflated readiness measures. As these factors fade, the Index will likely revert to finding that the share of households nearing retirement age who are financially prepared for retirement fluctuates between 40% and 50%."

Are you on track for your retirement?

How you answer these questions determines if you are:
1. Will I have enough to meet my basic needs?
2. Will I have enough to avoid being poor or near-poor?
3. Will I have enough income compared to my working life to maintain my pre-retirement standard of living?

If you are 62+ and qualify, a home equity conversion mortgage may balance your financial scales, leaving you laughing your way through retirement. Reach out to me. I want to educate and enlighten you about Home equity conversion mortgages!






Economic Policy Research

https://www.economicpolicyresearch.org/research/most-americans-do-not-have-enough-to-retire #:~:text=In%202022%2C%20the%20NRRI%20showed,between%2040%25%20and%2050%25.

If you are still working or retired, a homeowner, and 62 yrs old or over, you may be able to convert your home equity to...
01/19/2026

If you are still working or retired, a homeowner, and 62 yrs old or over, you may be able to convert your home equity to cash or use cash from your equity to grow your investment portfolio.

Reverse Mortgages have come a long way since 1988, when President Reagan first signed into law the FHA-secured HECM Mortgage Program. It has gone through 13 revisions for the safety and security of the consumer - the homeowner.

“Reverse mortgages are increasing in popularity with seniors who have equity in their homes and want to remain in their homes or supplement their income. The only reverse mortgage insured by the U.S. Federal Government is called a Home Equity Conversion Mortgage (HECM), and is only available through a Federal Housing Administration (FHA)-approved lender. The HECM is the FHA's reverse mortgage program that enables you to withdraw a portion of your home's equity to use for home maintenance, repairs, or general living expenses. HECM borrowers may reside in their homes indefinitely as long as property taxes and homeowner's insurance are kept current.” 1

https://www.hud.gov/hud-partners/single-family-hecmhome

Your post-retirement income is generally thought of as having two types of income. With today’s Seniors living well into...
01/15/2026

Your post-retirement income is generally thought of as having two types of income. With today’s Seniors living well into their 80s and 90s, it may not be enough.

1. Your monthly income: Social Security, pension payments, and any other regular W-2 income.
2. Your nest egg: 401K, Stocks, Bonds, Whole Life insurance, and lump sum savings.

3. You may be sitting on a third type of income that is often overlooked: a HECM (Home Equity conversion Mortgages), which, if you qualify, can give you tax-free income you can invest and/or spend for traditional spending or unaccounted expenses. And you keep your home!



Address

5559 S Sossaman Road , Suite 260, #33
Mesa, AZ
85212

Telephone

+17203293311

Website

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