Galen Call Reverse Mortgage Specialist Monterey California

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Galen Call May 5, 2022

Rates Rise and the HECM line of credit can too!

Although the Federal Reserve again raised the short-term interest rate yesterday May 4, 2022, the impact on a reverse mortgage loan is both positive and negative. As interest rates increase, the amount that you qualify to receive at application from the reverse mortgage decreases. However, your current loan balance which needs to be paid off […]

Filed Under: reverse mortgage, Reverse Mortgages, Uncategorized Tagged With: reverse mortgage, Reverse Mortgages

Galen Call July 21, 2021

Let us explore three ways that a reverse mortgage can help to transform retirement

It is All about Flexibility The primary benefit that one receives with a reverse mortgage is financial flexibility. It is an excellent way to tap into the equity that has built up in your home over time without having to sell the house. After living in your home for decades, moving is often not desirable; […]

Filed Under: Reverse Mortgages Tagged With: Extra Income, Reverse Mortgage flexibility, Reverse Mortgage Pros

Galen Call July 14, 2021

Considering A Reverse Mortgage? Understand These Important Points First

There are many homeowners on a fixed income once they reach a certain age, however, their expenses are not always fixed costs. Sometimes, there is a large medical expense or the need for a new car or a home repair. In the event that someone needs cash flow, and they are 62 or older one […]

Filed Under: Reverse Mortgages Tagged With: Is Reverse Mortgage for you, Reverse Mortgage Cons, Reverse Mortgage Pros

Galen Call July 7, 2021

What happens to the Home after the last borrower dies?

The misconceptions about loan repayment were far and wide before reverse mortgages became regulated and federally insured financial tools. The lender does not get the home, take title to the home, or own the home or its equity in any way. A homeowner or heir can sell the home ( that has a reverse mortgage […]

Filed Under: Reverse Mortgages Tagged With: Death, Inheriting A Home, reverse mortgage

Galen Call June 30, 2021

What Will My Children Think?

What will my children or heirs think about a reverse mortgage?  Below are a few questions to consider while you evaluate your interest in a HECM loan. Do they want to inherit the maximum equity from your home OR do they want you to enjoy the most income possible today? Do they want you to […]

Filed Under: Reverse Mortgages Tagged With: Adult Children, Home Equity, Reverse Mortage

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GALEN CALL
Manager, Reverse Mortgage Division
American Pacific Mortgage Corporation
dba TreeHouse Mortgage Group
Call Today: 831-645-1164
Fax: 831-643-1161
Galen@TreeHouseMortgage.com
NMLS #226129 | DRE #00908338
APMC DRE #01215943 | APMC NMLS #1850

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

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

Equal Housing Opp

Copyright © 2021 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 subject to change without notice. This is not an offer to extend credit or a commitment to lend. All loans subject to underwriting approval. Some products may not be available in all states and restrictions may apply. Equal Housing Opportunity.

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288 Pearl Street
Monterey, CA 93940
Branch NMLS# 150751

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