Ready for retirement?

It's time to optimize your home equity

Kathy G Earle

Reverse Mortgage Specialist

NMLS# 402121

kearle@guildmortgage.net

Mobile: (406) 240-1695

About me

I have spent my working life of 47 years in banking and the financial industry. I have been working in Missoula, Mt for the last 42. Over the last few years, I was privileged to have the opportunity to work with borrowers seeking Reverse Mortgage Loans (HECM)*. My goal is I want every person I assist to feel totally comfortable and 100% confident in their decision. This has been more than just a job and my customers often become friends. I learned early that trust and respect are never given but earned. Reverse Mortgage Loans are a beautiful thing!

I reside in Missoula though I work with many homeowners across the states of Montana, Idaho and Washington.

For Borrowers, if you’re one of the tens of millions of people who don’t feel financially prepared for retirement—relax. You’re not alone. I am here to help. Retirement is complex and thinking holistically is important. So why not consider one of your largest assets in your total retirement picture?  A reverse mortgage loan puts your hard-earned equity to work so you can plan to maintain or elevate your lifestyle during retirement.

For Financial Advisors, reverse mortgage loans aren’t just for people who need money. A reverse mortgage loan can be a smart choice for a wide range of people, and may be a good fit for those who want to age in place. Some financial planners will suggest the line of credit option, allowing available funds for emergencies, or an alternative to selling retirement assets in a down market, or just plain fun. Each homeowner’s personal circumstances are evaluated to try and meet their financial goals. There are many different ways to utilize reverse mortgage proceeds. Reverse mortgage loan proceeds are income tax free**. A monthly payment is not required on a reverse mortgage loan. Each homeowner is responsible for paying property taxes, property insurance and any homeowner’s association dues.

For Realtors, reverse mortgage loans can expand your market and grow your sales.  Whether buyers are looking to upsize, downsize, or “right-size,” financing a home with a reverse mortgage loan can make it easier and more affordable. This innovative mortgage loan option can open a huge new market of buyers 62 and older, allowing them to purchase a primary residence that suits their ideal lifestyle—without having monthly mortgage payments***.

*Reverse Mortgage loans are brokered loan products. These materials are not from HUD or FHA and were not approved by HUD or a government agency.

**Seek an accountant’s advice regarding taxes

***During the term of your reverse mortgage loan, the borrower is still required to pay: property taxes, homeowner’s insurance, basic home maintenance fees, and HOA fees, if applicable.

NMLS ID #402121

I am authorized to do business in the states of Idaho, Montana and Washington. Branch NMLS ID 398152

Building lifetime connections since 1960

Guild Mortgage Company; Equal Housing Opportunity; NMLS #3274 nmlsconsumeraccess.org guildmortgage.com/licensing. AZ BK #0018883; Licensed by the Department of Financial Protection and Innovation under the California Residential Mortgage Lending Act; Licensed by the Mississippi Department of Banking and Consumer Finance; Licensed by the New Hampshire Banking Department; NV Mortgage Company #1141; OR ML-176; Rhode Island Licensed Lender. All loans subject to underwriter approval. Terms and conditions apply, subject to change without notice. Turn times are estimates and cannot be guaranteed. A variety of issues or unforeseen circumstances beyond our control may extend turn times. Guild Mortgage Company is an Equal Opportunity Employer. Guild Mortgage Company 5887 Copley Drive San Diego, CA 92111.