Stay in Your Home. Put Your Equity to Work.
A HECM reverse mortgage lets homeowners 62 and older use the value of the home they already own — with no monthly mortgage payment required.* Curtis has spent forty years explaining exactly how that works, and when it does not make sense.
Why work with Curtis
Straight Answers About a Loan Most People Misunderstand
A reverse mortgage is not a last resort, and it is not a way to lose your home. It is a federally insured loan that turns part of your home equity into cash, monthly income, or a line of credit you draw on only when you need it.
Curtis walks you through what it costs, what it means for your heirs, and whether it fits your situation — and he tells you plainly when it does not.
Specialties
Reverse Mortgages, and Nothing Borrowed From a Brochure
Curtis has taught this product to other loan officers and guided hundreds of families through the decision. That shows up in how the conversation goes: fewer sales lines, more arithmetic.
HECM Refinance
Pay off the mortgage you have now and free up that monthly payment. Remaining funds can go to a line of credit, monthly income, or cash.
HECM for Purchase
Buy your next home with one down payment and no monthly mortgage payment.* Useful for downsizing or moving closer to family.
Loan options
Four Ways a HECM Can Work
Each one uses the same program. The difference is how the money reaches you.
The process
What Working With Curtis Looks Like
1. Conversation
A call about your home, your goals and your questions. No pressure, no application.
2. Counseling
An independent HUD-approved counselor reviews the loan with you. This step is required, and it protects you.
3. Application
If it makes sense, Curtis handles the paperwork and keeps you posted at every step.
4. Closing
Funds arrive the way you chose, and you stay right where you are.
For adult children and advisors
Helping a Parent Look Into This?
Most calls Curtis takes come from a son or daughter doing the research. He is glad to walk the whole family through it together, including the parts about heirs, the loan balance and what happens to the home.
Ready to Talk Through Your Options?
Start with a conversation. Curtis will help you understand your options and what they mean for your situation. Call 208-412-3676.
*Borrowers remain responsible for property taxes, homeowners insurance and home maintenance. A reverse mortgage loan balance grows over time.