Tina Steele, CRMP, NMLS #250989

Tina Steele, CRMP, NMLS #250989 Tina Steele | Certified Reverse Mortgage Professional| NMLS 250989 | AZ:1905686

02/11/2026

You’ve Invested in Your Home. Let Your Home Invest in YOU. 🏡✨

We’re celebrating National Reverse Mortgage Day 🎉 and you can celebrate too!

Did you know a reverse mortgage helps you access your home equity, so you can:

🏦 Eliminate required monthly mortgage payments*
💵 Supplement income with tax-free cash**
🔨 Pay for home renovations so you can age in place

Let your home support the retirement life you want. 🌅

Explore what a reverse mortgage can do for you:

🌐https://www.pennylanereverse.com/tinasteele
📞 520-861-2821
📧 [email protected]

Often what I hear people think a reverse mortgage is, is not exactly accurate. Could / should a retirement strategy incl...
03/05/2025

Often what I hear people think a reverse mortgage is, is not exactly accurate. Could / should a retirement strategy include home equity? What would that look like? I am happy to be your local trusted resource when it comes to this often misunderstood financial tool. With over 17 years experience in this niche of the mortgage industry, I can help you to better understand. Sharing a testimonial from a client I recently helped. It’s always great to see a plan come together that truly benefits them.

I am happy to chat, with no pressure whatsoever.

[https://www.pennylanereverse.com/reverse-mortgage-tucson-az]

Let’s talk about all that equity you're probably sitting on. Did you know that collectively seniors hold $11.81 trillion...
01/08/2024

Let’s talk about all that equity you're probably sitting on. Did you know that collectively seniors hold $11.81 trillion in home equity? While that's great, it's also great to take advantage of that equity by turning it into income or a line of credit safety net. You never know what the future holds and your future self could be thanking you for preparing now.

Call us now 520-861-2821 or send an email to [email protected] Visit our website: https://www.pennylanereverse.com/tinasteele

Clearing up Reverse Mortgage Myths🏠✨FACT: Reverse mortgages are structured as non-recourse loans, which is a crucial saf...
11/10/2023

Clearing up Reverse Mortgage Myths🏠✨

FACT: Reverse mortgages are structured as non-recourse loans, which is a crucial safeguard for both borrowers and their heirs. This means that the total loan balance, including interest and fees, can never surpass the appraised value of your home. This protection ensures that neither you nor your heirs will be personally liable for any shortfall, even if the home's value decreases.

Here's how this protection works in more detail:

✅ No Personal Liability: With a reverse mortgage, your heirs are not responsible for repaying the loan from their personal assets. The debt is solely tied to the home itself.

✅ Repayment Options for Heirs: If your heirs decide to keep the home after your passing, they have several options:

They can repay the full loan balance to retain ownership.
Alternatively, they can choose to pay 95% of the home's current appraised value, whichever is less. This option is particularly beneficial if the home's value has declined or the loan balance exceeds the home's worth.
Sale of the Home: If your heirs decide not to keep the home, they can sell it. The proceeds from the sale can be used to repay the reverse mortgage, and any remaining equity belongs to the heirs.

This non-recourse feature offers peace of mind to both borrowers and their families, ensuring that the reverse mortgage debt will not lead to financial burden or personal liability for heirs. It's an essential aspect of the safety and security measures built into reverse mortgage programs.

Visit our website: https://www.pennylanereverse.com/tinasteele

Clearing up Reverse Mortgage Myths🏠✨FACT: The amount available to you through a reverse mortgage varies depending on se...
11/08/2023

Clearing up Reverse Mortgage Myths🏠✨

FACT: The amount available to you through a reverse mortgage varies depending on several factors, including your age, your home's current value, and prevailing interest rates. While you may not be able to access 100% of your home's equity, a reverse mortgage serves as a valuable tool to supplement your retirement income. It provides a way to unlock a portion of your home's value to support your financial needs during your retirement years.

Visit our website: https://www.pennylanereverse.com/tinasteele

Clearing up Reverse Mortgage Myths🏠✨This week, I'd like to address some common reverse mortgage myths. One question I of...
11/06/2023

Clearing up Reverse Mortgage Myths🏠✨

This week, I'd like to address some common reverse mortgage myths.

One question I often hear is, "If I get a reverse mortgage, will I lose ownership of my home?" The truth is, with a reverse mortgage, you retain full ownership of your home. It's still your property, and you can live in it as long as you wish. The loan only becomes due when you sell your home, move out, or pass away.

Visit our website: https://www.pennylanereverse.com/tinasteele

A reverse mortgage is a unique financial tool that allows homeowners, particularly retirees, to leverage the equity they...
11/03/2023

A reverse mortgage is a unique financial tool that allows homeowners, particularly retirees, to leverage the equity they've built in their homes over the years without needing to sell their beloved abode. It's a simple and flexible solution that offers a range of benefits:

1. Financial Flexibility: With a reverse mortgage, you can tap into your home's equity in various ways. Receive funds as a lump sum, a monthly income, or a line of credit – it's up to you. This flexibility ensures you have funds when you need them.

2. No Monthly Mortgage Payments: One of the key advantages of a reverse mortgage is that you don't have to make monthly mortgage payments. Instead, the loan is repaid when you sell your home, move, or pass away.

3. Enjoy Your Retirement Years: By using a reverse mortgage, you can enjoy your retirement without the constant worry of financial constraints. Whether it's funding travel adventures, covering medical expenses, renovating your home, or simply enhancing your quality of life, a reverse mortgage can be the key to making your retirement dreams come true.

As you approach or enjoy your retirement, it's essential to have a financial plan that ensures you maintain the lifestyl...
11/01/2023

As you approach or enjoy your retirement, it's essential to have a financial plan that ensures you maintain the lifestyle you desire without depleting your savings. Reverse Mortgages offers peace of mind by allowing you to access the equity in your home, turning it into a steady stream of funds that can be used to cover a variety of expenses, such as medical bills, home renovations, travel adventures, or simply enhancing your day-to-day life.

Reverse to Purchase🏠💰This option allows homeowners to purchase a home with equity from an existing home or other assets....
10/30/2023

Reverse to Purchase🏠💰

This option allows homeowners to purchase a home with equity from an existing home or other assets. Not only that, but they could purchase a home without any monthly payments. The process involves selling your existing home, which can yield a substantial amount of equity, and using the proceeds to fund the purchase of the new home.

Address

1846 E Innovation Park Drive
Oro Valley, AZ
85755

Telephone

(520) 861-2821

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Tina Steele Reverse Mortgage Specialist / Loan Officer NMLS ID 250989 [email protected] TinaSteele.vipmtginc.com

AZ: Mortgage Banker License No. BK-0909074. AZ: LO‑0913912

The company is not affiliated with or acting on behalf of or at the direction of HUD/FHA or any other government agency. Terms subject to change without notice. Certain conditions and fees apply. This is not a loan commitment. All loans subject to approval.

V.I.P. does Business in Accordance with Federal Fair Lending Laws. NMLS ID 145502.