Your Hometown Reverse Mortgage Consultant residing in Pawleys Island, SC
Your Hometown Reverse Mortgage Consultant residing in Pawleys Island,
SC
Licensed in FL, GA, NC, SC
Frank McInerney
Your Hometown Reverse Mortgage Consultant residing in Pawleys Island, SC
Your Hometown Reverse Mortgage Consultant residing in Pawleys Island,
SC
Licensed in FL, GA, NC, SC
I'm proud to work with a company focused on one thing: educating seniors about reverse mortgages to help them unlock the power of their homes and live a more comfortable retirement.
Your Starting Point to Reverse Mortgages
COMMON MISCONCEPTIONS
MYTH: Taxes have to be paid on money received from a reverse mortgage.
Nope! Proceeds from a reverse mortgage are not considered income, and are therefore not income taxable. The money from a reverse mortgage comes from your home’s equity, which already belongs to you, so it’s not considered income. Plus, the interest on a reverse mortgage can be tax-deductible when it’s repaid.*
MYTH: Your heirs can’t inherit the home with a reverse mortgage.
Nope! You will still be able to pass the home on to your kids. Just like any other mortgage, they can inherit the house. When the loan becomes due, they can decide how to repay the loan balance.
MYTH: Reverse mortgages should only be used as a last resort.
That’s incorrect! A reverse mortgage is a powerful financial tool that can be an important part of your overall financial plan. From paying off an existing mortgage to delaying Social Security benefits*, or even establishing an emergency line of credit, it’s a flexible product that gives you options.
MYTH: A reverse mortgage interferes with Social Security and Medicare benefits.
False! Government entitled programs such as Social Security and Medicare are generally not affected by a reverse mortgage – however, need-based programs such as Medicaid may be. Consult a qualified financial advisor or the appropriate government agency to learn more.
MYTH: Reverse mortgages are expensive.
Here’s the truth – reverse mortgage loan origination costs and interest rates are comparable to those of traditional mortgages. They do not require large out-of-pocket expenses. There are FHA insurance costs that some traditional mortgages don’t require, but the cost is relatively small.
MYTH: With a reverse mortgage, the bank takes your home.
That’s false! With a reverse mortgage, the homeowner keeps the title to the home in their name, provided they meet their loan obligations, keeping current with property taxes, insurance, and maintenance. The lender simply adds a lien onto the title to guarantee that the money will eventually be paid back when the loan becomes due.
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How it Works
For many Americans, their home is their biggest asset, and the one they have invested the most in throughout their lives. And a Home Equity Conversion Mortgage (HECM), or "reverse mortgage," can allow senior homeowners to tap into some of this hard-earned home equity – for another source of cash to help fund retirement, counteract the effects of inflation, and live more comfortably. Important Note: When you click on this video, certain personal information may be sent to the video provider (such as YouTube, Vimeo, etc.). To learn more about our privacy practices, please review our Privacy Notice.
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Home Sweet Home: Safe Bedroom Sanctuaries for Aging in Place
Your home should evolve to fit your needs at every stage in life—especially if you’re one of the millions of older Americans planning to age in place. ✨ From smart lighting solutions to fall-resistant measures and creative storage ideas, we’ve rounded up a collection of thoughtful modifications to promote safety, comfort, and independence throughout the different areas in your home in our “Home Sweet Home” blog series. In this installment of the series, we focused on your personal at-home sanctuary: the bedroom! 🛏️ ➡️ Read the blog to explore our smart solutions—and how to fund them—here: https://longbridge-financial.com/blog/knowledge-and-advice/home-sweet-home-safe-bedroom-sanctuaries-for-aging-in-place/?agent=1 #SafeLiving #AgingInPlace #HomeSweetHome #HomeModifications #HealthyAging #LongbridgeFinancial #Longbridge
⌛ LAST CHANCE TO REGISTER ⌛ Our upcoming webinar is happening Tuesday, November 4! If you have senior clients, you don’t want to miss it! Learn more and get registered: https://register.gotowebinar.com/register/8147118823252310105 #Webinar #HomeEquitySolutions #SeniorCare #RealEstate #FinancialPlanning #Longbridge #LongbridgeFinancial
Who is a Good Candidate for HELOC For Seniors®️?
As we reach retirement, many of us start looking for ways to make the most of what we’ve worked so hard to build—especially the equity we’ve built in our homes. 🏡💸 A first-of-its kind solution, Longbridge Financial’s HELOC For Seniors®️ was designed exclusively for homeowners aged 62 and older. This innovative solution offers a smarter, more convenient way to access your home equity—without the complexities and surprises that can sometimes come with traditional borrowing options. 🔗 Learn more about whether HELOC For Seniors®️ is a good fit for you: https://longbridge-financial.com/blog/heloc-for-seniors/who-is-a-good-candidate-for-heloc-for-seniors/?agent=1 #HELOCForSeniors #SmartMoneyMoves #HomeEquity #LongbridgeFinancial #Longbridge #HomeEquityLineofCredit #HELOC
HECM for Purchase - How You Can Buy a House with a Reverse Mortgage
🏡 Thinking about downsizing, moving closer to family, or finding a more accessible home for your needs this fall? With Reverse for Purchase financing you can purchase a new home using proceeds from a reverse mortgage. It’s an innovative way to “right-size” your home for your retirement lifestyle while keeping more of your hard-earned savings in your pocket. 💰 💡 Explore how Reverse for Purchase financing can work for your home-buying goals: https://longbridge-financial.com/blog/reverse-mortgages/hecm-for-purchase-how-you-can-buy-a-house-with-a-reverse-mortgage/?agent=1 #ReverseForPurchase #Rightsize #RetirementReady #LongbridgeFinancial #Longbridge
For older adults in retirement, life’s turning points can have meaningful impacts—sometimes in unpredictable ways. Whether your clients are experiencing changes in health needs to family shifts or the passing of a spouse, financial stability becomes critical during times of transition. From proprietary Platinum products that offer flexibility and higher loan amounts to smart HECM loan solutions, together, we can give your clients the ability to face life’s changes with confidence and peace of mind. 🏡🍂 #LifeTransitions #ReverseMortgage #RetirementSolutions #HomeEquity #Longbridge #LongbridgeFinancial
🍂 As the seasons change, many clients re-evaluate their financial strategies to better prepare for what’s ahead. Home equity remains one of the most powerful—yet underutilized—tools in retirement planning for seniors. Longbridge Financial’s innovative home equity solutions can help. Whether your clients need supplemental cash flow without selling investments, want to create liquidity for unexpected expenses, or are looking for stability in uncertain markets, their home equity can help them safeguard their financial future. This fall, let’s work together to help your clients harvest the home equity they’ve worked hard to build. 🍁🌟 #FinancialPlanning #HomeEquity #ReverseMortgage #RetirementSolutions #Longbridge #LongbridgeFinancial
Home Sweet Home: Safe Bedroom Sanctuaries for Aging in Place
Your home should evolve to fit your needs at every stage in life—especially if you’re one of the millions of older Americans planning to age in place. ✨ From smart lighting solutions to fall-resistant measures and creative storage ideas, we’ve rounded up a collection of thoughtful modifications to promote safety, comfort, and independence throughout the different areas in your home in our “Home Sweet Home” blog series. In this installment of the series, we focused on your personal at-home sanctuary: the bedroom! 🛏️ ➡️ Read the blog to explore our smart solutions—and how to fund them—here: https://longbridge-financial.com/blog/knowledge-and-advice/home-sweet-home-safe-bedroom-sanctuaries-for-aging-in-place/?agent=1 #SafeLiving #AgingInPlace #HomeSweetHome #HomeModifications #HealthyAging #LongbridgeFinancial #Longbridge
⌛ LAST CHANCE TO REGISTER ⌛ Our upcoming webinar is happening Tuesday, November 4! If you have senior clients, you don’t want to miss it! Learn more and get registered: https://register.gotowebinar.com/register/8147118823252310105 #Webinar #HomeEquitySolutions #SeniorCare #RealEstate #FinancialPlanning #Longbridge #LongbridgeFinancial
Who is a Good Candidate for HELOC For Seniors®️?
As we reach retirement, many of us start looking for ways to make the most of what we’ve worked so hard to build—especially the equity we’ve built in our homes. 🏡💸 A first-of-its kind solution, Longbridge Financial’s HELOC For Seniors®️ was designed exclusively for homeowners aged 62 and older. This innovative solution offers a smarter, more convenient way to access your home equity—without the complexities and surprises that can sometimes come with traditional borrowing options. 🔗 Learn more about whether HELOC For Seniors®️ is a good fit for you: https://longbridge-financial.com/blog/heloc-for-seniors/who-is-a-good-candidate-for-heloc-for-seniors/?agent=1 #HELOCForSeniors #SmartMoneyMoves #HomeEquity #LongbridgeFinancial #Longbridge #HomeEquityLineofCredit #HELOC
HECM for Purchase - How You Can Buy a House with a Reverse Mortgage
🏡 Thinking about downsizing, moving closer to family, or finding a more accessible home for your needs this fall? With Reverse for Purchase financing you can purchase a new home using proceeds from a reverse mortgage. It’s an innovative way to “right-size” your home for your retirement lifestyle while keeping more of your hard-earned savings in your pocket. 💰 💡 Explore how Reverse for Purchase financing can work for your home-buying goals: https://longbridge-financial.com/blog/reverse-mortgages/hecm-for-purchase-how-you-can-buy-a-house-with-a-reverse-mortgage/?agent=1 #ReverseForPurchase #Rightsize #RetirementReady #LongbridgeFinancial #Longbridge
For older adults in retirement, life’s turning points can have meaningful impacts—sometimes in unpredictable ways. Whether your clients are experiencing changes in health needs to family shifts or the passing of a spouse, financial stability becomes critical during times of transition. From proprietary Platinum products that offer flexibility and higher loan amounts to smart HECM loan solutions, together, we can give your clients the ability to face life’s changes with confidence and peace of mind. 🏡🍂 #LifeTransitions #ReverseMortgage #RetirementSolutions #HomeEquity #Longbridge #LongbridgeFinancial
🍂 As the seasons change, many clients re-evaluate their financial strategies to better prepare for what’s ahead. Home equity remains one of the most powerful—yet underutilized—tools in retirement planning for seniors. Longbridge Financial’s innovative home equity solutions can help. Whether your clients need supplemental cash flow without selling investments, want to create liquidity for unexpected expenses, or are looking for stability in uncertain markets, their home equity can help them safeguard their financial future. This fall, let’s work together to help your clients harvest the home equity they’ve worked hard to build. 🍁🌟 #FinancialPlanning #HomeEquity #ReverseMortgage #RetirementSolutions #Longbridge #LongbridgeFinancial
About Me
Hello, I am your local Reverse Mortgage Professional. I am honored to be working with the senior community. I have several years of experience in the reverse mortgage space, focusing on Home Equity Conversion Mortgages. I am committed to helping seniors find better retirement solutions and am excited to bring my honesty, compassion and education to senior homeowners. I bring an in-depth understanding of the reverse mortgage process and how the loan works.
Georgia Residential Mortgage Licensee No. #44082; Originator License No. #792290. Branch Address: 14323 Ocean Hwy Suite 4137, Pawleys Island, SC 29585; Branch NMLS #: 2452667; Phone #: 980-480-1052.