Brad Dela Cruz - Reverse Mortgage Professional Nmls#582941

Brad Dela Cruz - Reverse Mortgage Professional Nmls#582941 Home Equity Solutions For Your Retirement Although these costs may be substantial, AAG does not establish an escrow account for these payments. V2019.04.17

Reverse mortgage loan terms include occupying the home as your primary residence, maintaining the home, paying property taxes and homeowners insurance. However, a set-aside account can be set up for taxes and insurance, and in some cases may be required. Not all interest on a reverse mortgage is tax-deductible and to the extent that it is, such deduction is not available until the loan is partiall

y or fully repaid. AAG charges an origination fee, mortgage insurance premium (where required by HUD), closing costs and servicing fees, rolled into the balance of the loan. AAG charges interest on the balance, which grows over time. When the last borrower or eligible non-borrowing spouse dies, sells the home, permanently moves out, or fails to comply with the loan terms, the loan becomes due and payable (and the property may become subject to foreclosure). When this happens, some or all of the equity in the property no longer belongs to the borrowers, who may need to sell the home or otherwise repay the loan balance.

05/25/2026

On Memorial Day, we take time to reflect and remember those who made the ultimate sacrifice in service to our country.

We honor their bravery and extend our gratitude to the families who carry their legacy forward.

05/10/2026

From mothers to grandmothers to those who step into the role with love, today we celebrate the women who nurture, guide, and inspire across generations.

Happy Mother’s Day to all who make a difference.

05/05/2026

Cinco de Mayo is a time to come together in celebration of culture, history, and community. We honor the traditions that bring people together and the spirit of resilience they represent.

Wishing you a wonderful Cinco de Mayo.

Financial Advisors, provide liquidity without forced asset sales! Your clients don't want to sell their valuable investm...
04/29/2026

Financial Advisors, provide liquidity without forced asset sales! Your clients don't want to sell their valuable investments at a loss, especially during unfavorable market conditions. A reverse mortgage allows homeowners to tap into their home equity, providing much-needed liquidity without having to liquidate other portfolio assets.

It's about giving your clients ultimate flexibility — and strategically preserving their long-term wealth. Reach out to learn more about this vital liquidity solution.

Simply put, your "Principal Limit" is the maximum amount of money you can borrow with a reverse mortgage. This limit is ...
04/27/2026

Simply put, your "Principal Limit" is the maximum amount of money you can borrow with a reverse mortgage. This limit is determined by several factors including your age, your home's appraised value (up to a certain limit), and current interest rates.

It's the total potential funds available to you through the loan. Understanding your Principal Limit is key to planning how a reverse mortgage can meet your financial goals. I can help you calculate yours!

This is a significant fear for many, so let me clarify: You will NOT lose your home as long as you meet the loan terms. ...
04/22/2026

This is a significant fear for many, so let me clarify: You will NOT lose your home as long as you meet the loan terms. This means continuing to pay your property taxes, homeowner's insurance, and maintaining the home as your primary residence.

As long as these basic obligations are met, you retain ownership and cannot be forced out. My priority is your security and understanding exactly how this works. I'm happy to walk you through the details!

This is one of the most compelling reasons many seniors choose a reverse mortgage. If the idea of freeing up significant...
04/20/2026

This is one of the most compelling reasons many seniors choose a reverse mortgage. If the idea of freeing up significant monthly cash flow by no longer making mortgage payments* sounds appealing, then a reverse mortgage could be an excellent fit for your financial strategy. (*You still pay property taxes, insurance, and maintain the home.)

If freeing up your budget is a priority for you, let's explore how a reverse mortgage can make that a reality.

03/17/2026

Wishing you a wonderful day filled with luck, happiness, and a little green!

This couldn't be further from the truth! While a reverse mortgage can certainly provide vital relief in tough times, for...
03/13/2026

This couldn't be further from the truth! While a reverse mortgage can certainly provide vital relief in tough times, for many of my clients, it's a smart, proactive financial planning tool.

It's used to eliminate monthly mortgage payments*, create a substantial cash reserve, fund home improvements, or supplement retirement income – allowing for a more comfortable and flexible retirement. It's about empowering choices, not a last resort. Let's discuss your 'why' and how it can be a strategic move for you!



*Borrowers must occupy the home as primary residence and remain current on property taxes, homeowner’s insurance, the costs of home maintenance, and any HOA fees.

For a HECM reverse mortgage, the property must be your principal residence, meaning you live there most of the year. Thi...
03/12/2026

For a HECM reverse mortgage, the property must be your principal residence, meaning you live there most of the year. This ensures the program directly benefits homeowners living in and maintaining their primary home.

This is a key factor, and if your answer is yes, you're closer to understanding how a reverse mortgage could benefit you. Have questions about this or other criteria? I'm just a message away!

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1622 Wilshire Boulevard , Suite A
Santa Monica, CA
90403

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Tuesday 9am - 5pm
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Friday 9am - 5pm

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