Galen Elise Call, CRMP. Certified Reverse Mortgage Professional Monterey California

  • Home
  • Just the Facts Please
    • Due and Payable Timeline
    • Reverse Mortgage Facts
    • One Step at a Time
    • Adult Children
    • Trusted Advisors
    • Government Guarantee
    • History of Reverse Mortgages
  • News You Can Use
    • What You Need to Know After Closing
    • What do I do when my loan is due?
    • NRMLA Reverse Mortgage Self-Evaluation
    • NRMLA Home Toolkit
    • CFPB Reverse Mortgage Guide
  • Realtors
  • Blog
  • About Galen
  • Contact Galen
  • Call 831-645-1164

galencall March 31, 2020

Forbes: Consider Reverse Mortgages After Coronavirus Crash

COVID-19 Crashed The Market, Now What Should I Do?

Eric Brotman Contributor
COVID-19 and economy recession

While we’re encouraging everyone to be patient and avoid panic-selling everything and knee-jerk … [+]

GETTY

The effects of Coronavirus have hit the global economy like a bullet. Across the country—and the world—people are asking the same questions when it comes to their assets: what should I do?

While we’re encouraging everyone to be patient and avoid panic-selling everything and knee-jerk reactions, there are a few ways you can take advantage of the current state of the market and create opportunities for your financial future.

Convert to a Roth Account*

I’ve said this before, but tax rates in the U.S. are as low as they’ll ever get. And, with the multi-trillion-dollar aid package being proposed that will need to be paid back in the future, tax rates are about to skyrocket. read more

Filed Under: reverse mortgage

galencall February 16, 2017

Younger retirees may benefit from using reverse-mortgage lines of credit as interest rates rise

Financial writer Jeff Brown’s recent Wall Street Journal article,  does a good job of explaining why some financial planners are encouraging seniors in their early 60s to take a reverse mortgage line of credit. “Research has shown that setting up a line of credit as soon as possible, age 62, in order to let it grow and only tapping into the line of credit when needed can substantially improve the long-term sustainability of a retirement-income portfolio, meaning you can make your money last longer,” said Jamie Hopkins, associate professor of taxation at the American College of Financial Services. read more

Filed Under: reverse mortgage, Reverse Mortgage HECM Tagged With: Reverse Mortgages

galencall January 30, 2017

Aging Gracefully with Yoga

My eyes close and I imagine the possible fountain of youth that comes as a result of practicing yoga. When I started running many years ago, not as a young woman I may add, I felt a lot of benefits then that I now receive from yoga. Something positively magical happens! Yoga opens the body to release stress, anxiety and tightness found in every day living. It undoes stiffness, tension, and soreness in my neck and shoulders from sitting hunched over a computer, from standing or from the pounding of a competitive tennis match. read more

Filed Under: reverse mortgage, Reverse Mortgage HECM Tagged With: reverse mortgage

galencall January 20, 2017

How Will Having a New President Impact Your Mortgage? Let’s Take a Look

There is always uncertainty in the market in an election year, but many people are wondering exactly what kind of impact Donald Trump's election will have on their mortgage and the real estate options available. Here are some possibilities for the mortgage market following the results of the 2016 election.

Filed Under: Home Mortgage Tips, reverse mortgage, Reverse Mortgage HECM Tagged With: Home Buyer Tips, Home Mortgage Tips, Interest Rates, Mortgage, Mortgage Tips, reverse mortgage, Reverse Mortgages

galencall December 14, 2016

Harvard: Reverse Mortgages Offer Realistic Solution to U.S. Aging in Place Crisis

With the incoming influx of baby boomers entering retirement age, the number of older homeowners will soar in the near future. While many will prefer to age in place, certain challenges will prevent these desires from becoming reality. But here is where a reverse mortgage can be a financially realistic option to help older homeowners alleviate cost burdens and comfortably age in place, according to a new report from Harvard University.

More than one in five people in America will be aged 65 or older by 2035. Furthermore, one in three households will be headed by someone 65 or older, according to the report released Tuesday by the Joint Center for Housing Studies of Harvard University. read more

Filed Under: reverse mortgage Tagged With: reverse mortgage

galencall August 31, 2016

The Longevity Paradox

People are living longer than ever and by 2050 there will be an estimated one million centurions in the United States. However, living longer also means running the risk of outliving retirement savings, explains a recent article by Investment News.

Financial advisers are starting to get the message that their clients are living longer and are urging them to save more money, according to an Investment News survey of 348 advisers.

Reverse mortgages are becoming a more popular solution to help close the gap when seniors start to outlive their retirement savings, but there are still some issues surrounding the product that can make it a tough decision for some. read more

Filed Under: reverse mortgage, Reverse Mortgage HECM Tagged With: reverse mortgage

galencall June 22, 2016

Think Tank Sees Promise in Reverse Mortgages for Retirement Planning

For many American workers today, the road to a comfortable retirement is paved with many challenges, both within and outside of retirees’ control. Not the least of these issues is the fact that a shortfall in savings will force retirees to consider non-traditional retirement funding solutions, particularly home equity and reverse mortgages, said one official from a Washington, D.C.-based think tank this week.

“Home equity, we think, is underutilized in retirement planning,” said G. William Hoagland, senior vice president of the Bipartisan Policy Center, a Washington, D.C.-based non-profit organization that aims to promote health, security and opportunity for all America.  The final report can be seen here Securing our Financial Future read more

Filed Under: reverse mortgage Tagged With: reverse mortgage

galencall April 29, 2016

Due and Payable information for Realtors and other professionals

This video is a replay of a live webcast REALTOR® Magazine presented on April 21, 2016, about selling a home that has a reverse mortgage. The program featured Leslie Flynne, chief operating officer of Reverse Mortgage Solutions, Inc., and Steve Irwin, executive vice president of the National Reverse Mortgage Lenders Association. Jon Boughtin of NAR Public Affairs hosted the program.  At a minimum listen to the first 20 minutes! Please contact me if you have further questions.

https://youtu.be/-F1p2Y4_izA read more

Filed Under: reverse mortgage Tagged With: reverse mortgage

galencall April 21, 2016

Older Americans Reauthorization Now Law

It is good news that President Obama signed the 2016 Older Americans Act (OAA) Reauthorization into law this week. Our local Monterey County services including Alliance on Aging’s HICAP, Ombudsman, Outreach and Benefits Checkup programs receive Older Americans funding for the services they provide. Meals on Wheels, Legal Services for Seniors, Alzheimer’s Association and some other senior providers are also recipients of this funding. This reauthorization is a very important step to ensure the continuation of these services and funding. read more

Filed Under: reverse mortgage, Reverse Mortgage HECM Tagged With: reverse mortgage

galencall March 21, 2016

A Good Life became Better!

In the beautiful spring month of May 2011, I received a call from a business friend who said “we are ready to sell our home of 20 + yrs. and move closer to services!”  This excited announcement could only come from a couple living in the country and longing for a short commute and a plethora of conveniences. The reasons he gave included health care resources, educational opportunities, not to mention friends and all that an urban environment offers compared to living in a rural community.

That phone call and sincere desire to change led to a 5-year search and retirement plan involving everything from the perfect, new house wish list to current home repairs to coming to terms with the inevitability of retiring  from a lifelong career. One steady conversation was about the pending reality of a fixed income and their modest bank reserves. Then of course along the way there was angst of locating a home in the appropriate price range, the right configuration, plus the all-important timing of selling their primary residence before buying the next one. That two- step was required in order to provide the down payment for the new primary.  Only this wasn’t just the next residence, this home would be the last one, and this home would be bought with a HECM purchase money loan. read more

Filed Under: Reverse Mortgage HECM, Uncategorized Tagged With: reverse mortgage

  • « Previous Page
  • 1
  • …
  • 4
  • 5
  • 6
  • 7
  • 8
  • …
  • 29
  • Next Page »

GALEN ELISE CALL, CRMP


Certified Reverse Mortgage Professional

Call Today: 831-645-1164
gcall@apmortgage.com

NMLS #226129 | DRE #00908338
APMC DRE #01215943 | APMC NMLS #1850

APM Reverse Mortgage Group

  • Reverse Mortgage Facts
  • Adult Children
  • One Step at a Time
  • Accessibility Statement
  • Privacy Policy
  • NMLS Consumer Access

Licensed by the Department of Corporations under the California Residential Mortgage Lending Act

Licensed by the Department of Financial Protection and Innovation under the CRMLA

California zip codes served: 93940, 93901, 93905, 93908, 93921, 93933, 93943, 93950, 93953, 93955, and 93962

Not available in New York.

Copyright © 2025 American Pacific Mortgage Corporation. For informational purposes only. No guarantee of accuracy is expressed or implied. Programs shown may not include all options or pricing structures. Rates, terms, programs and underwriting policies are subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans are subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

3000 Lava Ridge Ct. Suite 103
Roseville, GA 95661

Branch NMLS #150590

Return to top of page

Copyright © 2025 Galen Elise Call, CRMP. Certified Reverse Mortgage Professional Monterey California. All rights reserved.   Log In