Signet Mortgage Corporation: Clay Selland NMLS #168365/183492

05/07/2026

This just made my day - it's always so rewarding to help people make strategic decisions that help their short and long term goals!

08/14/2025

𝐓𝐚𝐩 𝐈𝐧𝐭𝐨 𝐘𝐨𝐮𝐫 𝐇𝐨𝐦𝐞 𝐄𝐪𝐮𝐢𝐭𝐲 - 𝐊𝐞𝐞𝐩 𝐘𝐨𝐮𝐫 𝐋𝐨𝐰-𝐑𝐚𝐭𝐞 𝐌𝐨𝐫𝐭𝐠𝐚𝐠𝐞

If you’re 55+ in California and sitting on a lot of home equity, you don’t have to choose between keeping your great first mortgage and accessing your funds.

With the HomeSafe Second Loan from Signet Mortgage, you can:
✅ Keep your current first mortgage exactly as it is.
✅ Access a portion of your home’s equity.
✅ Enjoy no required monthly mortgage payments on the second loan.

Use it for home improvements, paying off debt, supplementing retirement income, or helping family — it’s your choice.

Are you a California homeowner aged 55 or older with a low-rate first mortgage you don’t want to give up? You may have thought your only option to tap into y...

07/22/2025

Worth paying attention to Congress!

Could This New Tax Proposal Unlock Housing for Seniors? Here’s What You Need to Know! There’s a groundbreaking new proposal in Congress — the “No Tax on Home...

07/22/2025

Could This New Tax Proposal Unlock Housing for Seniors? Here’s What You Need to Know! There’s a groundbreaking new proposal in Congress — the “No Tax on Home...

07/20/2025

07/10/2025

𝐓𝐚𝐱𝐞𝐬, 𝐑𝐌𝐃𝐬 & 𝐌𝐚𝐫𝐤𝐞𝐭 𝐖𝐨𝐛𝐛𝐥𝐞𝐬? 𝐘𝐨𝐮𝐫 𝐇𝐨𝐦𝐞 𝐄𝐪𝐮𝐢𝐭𝐲 𝐌𝐢𝐠𝐡𝐭 𝐁𝐞 𝐭𝐡𝐞 𝐒𝐦𝐚𝐫𝐭𝐞𝐬𝐭 𝐀𝐬𝐬𝐞𝐭 𝐘𝐨𝐮 𝐇𝐚𝐯𝐞𝐧’𝐭 𝐓𝐚𝐩𝐩𝐞𝐝

If you're taking more than just your RMDs to cover retirement expenses — you could be paying more in taxes than necessary and drawing down your nest egg faster than planned.
What if your home equity could ease the pressure?

In this short video, I explain how a reverse mortgage can be used strategically to help reduce taxes, preserve investments, and give your retirement plan some breathing room.

No sales pitch. Just a smart option worth understanding.
𝐖𝐚𝐭𝐜𝐡 𝐇𝐞𝐫𝐞: https://youtu.be/HKu9yo19wy0



https://www.signetmortgage.com

Real Estate Financing Shouldn’t be Complicated or Mysterious - We guide homeowners, real estate pros and financial planners toward financing decisions that build wealth

06/03/2025

You might have heard that putting your kids on your home’s title avoids probate. But it can also create serious tax and legal problems.
- Loss of control
- Risk of lawsuits
- Capital gains tax traps

It’s worth learning about safer, smarter options like living trusts or Transfer on Death deeds.

The key is to ask the right questions now—and work with a trusted estate planning professional to guide the way. I'm here to help you get informed—so you can have those conversations with confidence.

Let's have a conversation! 925-807-1503

https://youtu.be/6oFhbghiuY4

04/30/2025

What if you could purchase a home in retirement without using all your cash? Still have no monthly mortgage payments required and conserve some of your cash for your emergency fund, investments or finally taking that trip you've always wanted. Let me show you how it is possible and could be a strategic way to improve your senior years!

Let me show you how this might look. Watch the video and call me, let's talk about options that would be available for you!

Clay Selland, PresidentNMLS WITH MEPhone: (925) 807-1503Email: [email protected]: www.signetmortgage.com-About Signet MortgageMor...

04/29/2025

Heads-up on Retirement Account Beneficiary Designation

I’ve seen this happen more than once, and it’s a recipe for unnecessary taxes and family tension: A trust CANNOT be the beneficiary of your 401(k) or IRA. These accounts require individual beneficiaries—people you name directly, not just in your trust.

Even more problematic? Naming one family member as the sole beneficiary with the “understanding” they’ll distribute funds fairly. That creates a tax mess. That person pays tax on the full distribution before sharing it—and you lose the option for others to stretch the distributions over time. It can go sideways quickly.

>> Double-check your beneficiary designations are to individuals.
>> Talk with your plan administrator, advisor, or estate attorney.

Your IRA or 401(k) custodian cannot just “follow the trust.”

I work with dozens of senior clients, which means I’ve had a front-row seat to the unexpected ways things can go wrong. I’ll keep sharing these kinds of real-world reminders to help make retirement planning just a little less stressful.