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 partially 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.

09/07/2026

Labor Day is an opportunity to pause and appreciate the effort behind the work that keeps our communities moving forward.

Thank you to workers everywhere for all you do. Have a happy and restful Labor Day!

08/06/2026

Many people create a plan and assume it will carry them through retirement.

But life changes. Expenses shift. Priorities evolve.Taking the time to revisit your plan can help ensure it continues to support the life you want.

If it has been a while since you reviewed things, I am here to help.

08/06/2026

Let’s look at this differently. When budgets feel tight, the instinct is often to focus on cutting expenses.

But sometimes the bigger opportunity is creating more flexibility in how your finances work.

A different perspective can open the door to solutions that feel less restrictive and more sustainable.

I am here if you would like to explore what that could look like.

08/04/2026

Finding balance becomes increasingly important as we age.
Making time for movement, rest, healthy habits, and meaningful connections can have a positive impact on both physical and emotional well-being.

Small, consistent choices can help reduce stress and support a healthier, more balanced lifestyle.

07/17/2026

For many people, this stage of life brings the opportunity to explore more of the world.

Whether it is visiting new places or revisiting old favorites, travel becomes less about rushing and more about enjoying the experience.

It is about making memories in a way that feels meaningful to you.

07/14/2026

Unexpected repairs can happen at any time, and they are often more expensive than planned.

Before immediately pulling from savings, it may be worth looking at the bigger picture.

How you handle one expense today can impact your financial flexibility down the road.

If you want to explore your options, I am here to help.

07/09/2026

Property taxes are one of those expenses that can quietly increase over time. For many homeowners, it becomes a larger part of their monthly budget than expected.

Keeping an eye on these changes can help you better understand your long term financial picture.

If you are reviewing your expenses, I am here as a resource.

07/07/2026

Many retirees find themselves in a position where they want to support their children or family members financially.

It often comes from a place of care, but it can also create tension between helping others today and protecting your own future.

Finding the right balance is not always easy, but it is an important part of long term planning.

If this is something you are navigating, I am here as a resource.

07/04/2026

Wishing you a safe and meaningful Fourth of July.

May your day be filled with celebration, reflection, and time with the people who matter most.

07/02/2026

Decisions about your home are not just about numbers.There are memories, routines, and a sense of comfort that come with where you live.

That is why it is important to consider both the financial and emotional side before making a change.

If you are weighing a decision like this, I am here to help you think it through.

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90403

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