Seniors need to go to mortgage school

Seniors,

How many times in your life have you kicked yourself for missing something that is very obvious?

How many times have you seen something that you should have looked into, but you never got a round to it, and now your just left wishing you did something?

You missed the boat two years ago when Hall was telling you that reverse mortgages give you piece of mind. Hall has hundreds of customers who thank him every chance they get for helping them understand how to retire without stress. They locked in their home values at the top of the market. They received the maximum benefit and support for their retirement, and you missed the boat.

We now you should be thanking you lucky stars for a second chance. Our government just passed a new law that gives you more power in the real estate market than any other consumer. You have been given a gift by the government and I guarantee that if you do not learn about what the government is offering you will be kicking yourself for not learning more.

Hall has the information you need. He is broadcasting it as loud as he can that he wants to help you now. He is not charging you for a consultation, he simply wants to give you the tools to make your life better.

Its your choice, call hall, or go buy a new pair of boots so that you can kick yourself in the future for not listening to what he is saying now.

Robert Fisher
bob@az62.com
Taken from the “Just Call Hall Show” on reverse mortgages
623-214-6663

Seniors need to go to mortgage school

Seniors Helping Seniors

You should know by now that AARP did a survey on seniors who had reverse mortgages and found that 93% of the seniors surveyed said that the reverse mortgage had a positive effect on their lives.

Now it is your turn to help seniors. If you are smart or lucky enough to have already received a reverse mortgage entitlement, you know that it is the right thing to do. So start telling your friends.

They will not ask you about it. They think they already know. What they know is wrong. Tell them the truth. Help them.

Bob Fisher

bob@az62.com

623-214-6663

Happy Independence Day

Happy 4th of July

Happy Independence Day!!!!

Are you independent? Are you living the life of freedom from stress that you thought you would? Seniors with reverse mortgages are celebrating Independence Day in a way that most seniors can only imagine. They are free from stress about monthly mortgage payments. They are free from stress about a limited fixed income. They are free from stress about having enough to eat, or being able to go out a few nights a month.

The reverse mortgage gave them a guaranteed tenure monthly payment for the rest of their lives, or they have a credit line that grows over time. Its like a brand new bank account or a new job. You will be amazed at how much you have to celebrate when you have a reverse mortgage.

Enjoy the holiday

Bob Fisher

bob@az62.com

623-214-6663

or

714-331-1486

Its the 1st of the month

We are speaking with more and more CPA's and estate planners who are saying that their clients are struggling. The first of the month is a bad day for these seniors. It is the day that all the bills reset and a whole new pile of them become due again.

The real questions are :

Why does a senior have a monthly mortgage payment?

Why does a senior have to live off less than $1000 a month in fixed income when they own their home?

The truth is that NO senior should have a monthly mortgage payment. No senior should live off less than $1000 per month. If they knew about reverse mortgages, they would learn that they do not have to have a mortgage payment, and they do not have to live below the poverty line.

We know reverse mortgages. We know all the ways it can help almost every senior citizen in our country. All you need to do is call us and talk to us about how we can help you.

Bob Fisher

bob@az62.com

714-331-1486

or

623-214-6663

Entitlement : The reverse mortgage

Reverse mortgages ARE a senior citizen entitlement.

Why?

1) Its a LAW. Approved by Congress, Appointed by the President.

2) Monthly benefits for life even if it exceeds the value of the home.

3) Benefits to the estate. 12 months to settle debt.

4) Automatic approval according to age. NO FICO score requirements.

5) Government Insured. Even if the bank fails, the government will manage the plan for you.

Bob Fisher

bob@az62.com

714-331-1486

or

623-214-6663

The 10 year plan

If you are over 62 and own your home, then you need to consider the reverse mortgage 10 year plan.

What is the 10 year plan?

It is a way to GUARANTEE that the value of your home will appreciate. Its a plan to FINALLY break free from the volatility of the real estate market and give yourself the security of an appreciating asset.

Here is how it works.

When you are over 62, you are entitled to a reverse mortgage. Since you own you home, you have the opportunity of placing a portion of that equity in a line of credit that grows at a rate of 1/2% higher interest than the interest on the loan, compounded daily. The rate today is over 4%.

If you are 62, the amount in the credit line starts at about 55% of the value of your home. (up to the lending limit for your county)

Once you establish a reverse mortgage, you only are charged interest on the loan balance, NOT THE CREDIT LINE BALANCE.

Typically over a 10 year period, that credit line will grow to equal or be greater than your current home value, and it can just continue to grow and grow. There is no limit to how high it grows. If the economy gets worse, and inflation sets in, then the credit line will grow even faster.

You can cash out your credit line ANY TIME.

Stop being a slave to the real estate market. Be angry at those who told you that reverse mortgages were bad two years ago when you could have gotten 15% to 30% more in the credit line because your houses were worth more. Get into a reverse mortgage now and start feeling the freedom from the stress of home values.

Bob Fisher
bob@az62.com
714-331-1486

What if you were 70 and did not know about Social Security?

What would you think if you were 70 years old and did not know about everything that social security had to offer? Wouldn't you think that you need to check it out as soon as possible?

What if all the government sent you was a booklet that said, "Social Security can help seniors." and did not explain all the options and decisions you have to make about that entitlement? Well that is what is happening with reverse mortgages. Reverse mortgages are a senior entitlement LAW that was passed by Congress and signed into law by President Ronald Regan.

Don't you think it is a bit silly that you don't know everything you need to know about a reverse mortgage? Go learn.

Bob Fisher

bob@az62.com

Every Senior Citizen over 62

It doesn't matter how good your credit is, or how much income you make on a monthly basis. The government wants to help you. It is very important that you do not make monthly mortgage payments to your bank. It is very important that you are safely in a home for the rest of your life. You need to contact us about a reverse mortgage to find out more.

Who can we help?

1) Seniors who own their home and want to leave more to their kids when the pass away.

2) Seniors who have a mortgage payment and want to get rid of it.

3) Seniors on fixed income that need extra money each month.

4) Seniors who are still renting and need to find a place to live "rent free"

Bob Fisher

bob@az62.com

714-331-1486

Helping the kids

Everyone wants to help their kids succeed. In these tough times kids are struggling to get jobs, struggling to pay for gas and food, and struggling to buy homes. Where are they going to get the 20% down to buy a home?

The answer is your home. If you are a senior over 62 then you need to be aware of the fact that your home can help your kids and you get to still live in it for the rest of your life.

No other generation has enjoyed this entitlement. The government is giving you part of your equity and allowing you to stay in your home for the rest of your life. Help your kids now without hurting your future.

Bob

bob@az62.com

714-331-1486

Over 1 million homes Foreclosed

There are currently over a million homes on the market that are foreclosed and bank owned. Have people been telling you that the market is ready for a rebound? How long do you think it will be before that inventory of homes is sold? We all know that they are being sold at a steep discount.

If you are over 62 and own your home there is only one way to make sure that your home appreciates over time. If you get a reverse mortgage, the credit line grows at 1/2% higher interest rate than the interest on the loan. That means that in a short time the credit line will be worth more than the current price of the home.

You are allowed to take out any or all of the credit line whenever you need it. If you need to move in 15 years, simply remove the credit line and hand the home over to HUD. No need to go through the process of selling the home because the credit line was worth more!

Bob

bob@az62.com

714-331-1486

Senior Security

If Congress had chosen a different name for Reverse Mortgages when they took over the reverse mortgage process and made it into law, maybe it would be easier to explain it to seniors, tax accountants and financial experts.

Its funny how a name can instantly close the mind of a person, and block them from wanting to learn the truth. If Congress had named the program, “Senior Security” when they made it law, I am sure the education process would be much easier.

Reverse Mortgages ARE senior security. They allow seniors to step away from the market volatility of housing and real estate and to step away from the volatility and risk of dealing with banks and traditional loans.

A Reverse Mortgage gives a senior the security of knowing that they will own their homes for the rest of their lives, and gives them the access to the money they “saved” in their home over their lives.

The credit line has government guaranteed safety and growth with an interest rate that is more than the interest charged on the loan. Even if the senior has NOT paid off their home, as long as they have worked hard enough to have enough equity to qualify for their age, this senior security gives them the right to say, “I have had enough of monthly payments. It is time for my retirement, and for me to enjoy life. I choose the security of a reverse mortgage.”

Bob

bob@az62.com

623-214-6663

www.az62.com

Basic Living

I have given many reasons why seniors with plenty of cash should get a reverse mortgage, why seniors who are just turning 62 should get a reverse mortgage and why seniors who want a retirement home need to get a reverse mortgage. Now let me tell you about the seniors that changed my life and brought me into the business of selling reverse mortgages.

One new outfit a month at a resale shop : $20

One good meal a day prepared by someone else, (eating out or brought into the home) $15

A new book each week $10

A visit to the beauty shop each month $30

One trip a year to see some of the grandchildren $1000

One night out at the movies each month $20

These are all things that are given up by millions of seniors in the United States who have to survive on Social Security alone. Social Security was NOT meant to be a retirement fund. It was meant to be in addition to other retirement savings.

I do this job for the seniors who own their home, but do not have additional savings to add to their retirement. To be honest, I could care less about the heirs, the children, or the estate. I know that the reverse mortgage does take care of the estate, but in these circumstances I only care about getting the senior back into living. These seniors deserve the things that make life enjoyable.

They have earned it.

Bob

bob@az62.com

www.az62.com

623-214-6663

A Tough Time in Life

I cannot imagine what it must be like when you love someone for the majority of your life and then they pass away. When a senior couple becomes a senior single there are things that happen financially that most people do not understand or even know about.

You have lost more than your partner. You have lost someone who helps you make decisions, and a person who helps you with income.

I can still remember the first time I ran into a senior who had lost their wife. I was impressed by the way they were handling their emotional loss, but I was also saddened by the effect that the loss of that wage earner had caused to their lifestyle.

Not only had they lost the social security benefit that their partner was receiving, but in their case the pension did not pay the surviving partner any benefit after the death of his wife.

His monthly income that had been fixed for the last 12 years had just dropped by 50%. This drop of income happened at the time in which he was least concerned about finances. He was mourning the loss of his wife. The cash flow really had little meaning to him until he started running out of money.

He should have taken an evening to sort things out. In just one evening of taking a look at your finances you can stop the unnecessary drain on your savings, and set up a new budget for yourself.

If you are in this position, here are some tips.

1) You need to cancel any subscriptions , health care policies, or memberships that your spouse had that you do not absolutely need.

2) Review your checking account for monthly automatic deductions that may be from an activity or interest that your spouse had that you no longer need.

3) If you had two cars, now is the time to sell one. You don't need the extra expense of upkeep, insurance, and payments (if you had a loan on the car)

4) Your spouses family (grandkids, kids, sisters or brothers) might have been getting financial help from your spouse. You need to take a close look at your finances before you blindly continue to support that person.

Remember, with the death of a spouse, you will be losing a portion of your income. To think that you can continue under the same budget is a mistake. Even though it is a tough time to think about money, you need to, or it will cause more heartache down the road.

bob

bob@az62.com

www.az62.com

623-214-6663

Government Entitlement, What does that mean?

A reverse mortgage is a government entitlement. The U.S. government has invested tens of millions of dollars to establish the reverse mortgage program. They have limited it to seniors because it is an entitlement for senior citizens. Reverse mortgages provide guaranteed growth in credit lines if a senior leaves the equity in the home, guaranteed monthly income if the senior sets up tenure payments, and the ability to pull the equity out of the home if the senior needs the money now. The additional benefit the government offers is the ability to stay in your home without any additional mortgage payments for the rest of your life.

The best example of another senior citizen entitlement is Social Security.

I hear people say to me every day that reverse mortgages cannot be an entitlement because they cost so much. My answer is always, "How much did you pay in to receive social security?" Entitlement does NOT mean free. Entitlement means that it is of benefit to the person who is getting it.

Entitlements are heavily regulated by the government. If reverse mortgages were a bad thing, the government would not continue to support the program.

Getting seniors to educate themselves on reverse mortgages is the hardest part. What you do not know about reverse mortgages costs you money.

bob

bob@az62.com

www.az62.com

623-214-6663