Your Hometown Reverse Mortgage Consultant residing in Santa Fe, NM
Your Hometown Reverse Mortgage Consultant residing in Santa Fe,
NM
Licensed in New Mexico
John Ruybalid
Your Hometown Reverse Mortgage Consultant residing in Santa Fe, NM
Your Hometown Reverse Mortgage Consultant residing in Santa Fe,
NM
Licensed in New Mexico
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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Featured Video
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.
Let’s Get Social
Join Marguerita M. Cheng, CFP®️, CEO of Blue Ocean Global Wealth, for a special CE webinar on CFP®️ Board's updated Code of Ethics and Standards of Conduct. Here's what you'll walk away with: ✅ A clear understanding of the revised code's structure and key changes ✅ The ability to identify and manage material conflicts of interest ✅ Practical knowledge of practice standards for financial planning engagements ✅ Confidence in your duty to provide clients with the right information 📅 July 29, 2026 @ 10:00 AM PT | 1:00 PM ET 🎓 Two CE Ethics credits: CFP, RICP, CLU, ChFC, and CFFP/Kaplan 🔗 Register now: https://attendee.gotowebinar.com/register/4582982624000100695?source=LO #CFPEthics #FinancialPlanning #CECredit #Webinar #CFP #EthicsCE #ProfessionalDevelopment #FinancialProfessionals #BlueOceanGlobalWealth #CEEthics
Do you know how to guide an older client through a divorce-related home sale or purchase? As "gray divorce" becomes more common, real estate professionals are increasingly at the center of complex housing and financial decisions for clients in this stage of life. That's why we're hosting a live Q&A with Bill Gordon, CDFA®️, focused entirely on the real estate and financial issues unique to this growing demographic — from home equity considerations to housing options that support financial independence later in life. Whether your clients are looking to sell, buy, downsize, or simply explore their options, this session will give you practical insights you can use right away. 📅 July 28, 2026 | 9:00–10:00 AM PT | 12:00–1:00 PM ET 🔗 https://attendee.gotowebinar.com/register/1773402760572511071?source=LoanOfficer #RealEstate #Realtor #RealEstateProfessionals #Longbridge #LongbridgeFinancial #CustomerForLifeSeries #Webinar #LiveWebinar #RealEstateWebinar #GrayDivorce
📢 CFP®️ PROFESSIONALS: EARN ETHICS CE CREDIT 📢 Don't miss this opportunity to fulfill your CFP®️ Board-approved Ethics CE requirement with a practical, engaging webinar led by Marguerita M. Cheng, CFP®️, Chief Executive Officer at Blue Ocean Global Wealth. She’ll cover the revised Code of Ethics and Standards of Conduct effective July 1, 2024, including how to identify and manage conflicts of interest, understand your obligations to clients, and apply practice standards in real planning scenarios. 📅 Wednesday, July 29, 2026 🕙 10:00 AM – 12:00 PM PT | 1:00 – 3:00 PM ET 🎓 Two CE Ethics credits awarded for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations Secure your spot today: https://attendee.gotowebinar.com/register/4582982624000100695?source=LO #CFPEthics #CECredit #CFP #FinancialPlanning #Webinar #EthicsCE #FinancialProfessionals #ContinuingEducation #BlueOceanGlobalWealth #CEEthics
Wishing you a festive Fourth of July from all of us here at Longbridge! ✨🎇 Today we celebrate our nation’s independence and the Semiquincentennial—the 250th anniversary of the signing of the Declaration of Independence! Here’s to a holiday spent making meaningful memories filled with joy, celebration, and gratitude for the freedoms we enjoy. #4thofJuly #FourthOfJuly #IndependenceDay #Semiquincentennial #America250
Today we recognize National Financial Freedom Day—a perfect opportunity to reflect on your financial goals and the steps you’re taking toward long-term security and independence. 💸 Head to our blog to learn about how a reverse mortgage can help you strengthen your financial plan and achieve peace of mind in retirement: https://longbridge-financial.com/blog/reverse-mortgages/reverse-mortgage-might-good-idea-older-homeowners/?agent=1 #NationalFinancialFreedomDay #FinancialFreedom #Longbridge #LongbridgeFinancial #blog
Longbridge proudly celebrates Disability Pride Month! This month recognizes the achievements, identity, and contributions of individuals with disabilities while reaffirming the importance of accessibility and inclusion for all. #DisabilityPrideMonth #DisabilityPride
Join Marguerita M. Cheng, CFP®️, CEO of Blue Ocean Global Wealth, for a special CE webinar on CFP®️ Board's updated Code of Ethics and Standards of Conduct. Here's what you'll walk away with: ✅ A clear understanding of the revised code's structure and key changes ✅ The ability to identify and manage material conflicts of interest ✅ Practical knowledge of practice standards for financial planning engagements ✅ Confidence in your duty to provide clients with the right information 📅 July 29, 2026 @ 10:00 AM PT | 1:00 PM ET 🎓 Two CE Ethics credits: CFP, RICP, CLU, ChFC, and CFFP/Kaplan 🔗 Register now: https://attendee.gotowebinar.com/register/4582982624000100695?source=LO #CFPEthics #FinancialPlanning #CECredit #Webinar #CFP #EthicsCE #ProfessionalDevelopment #FinancialProfessionals #BlueOceanGlobalWealth #CEEthics
Do you know how to guide an older client through a divorce-related home sale or purchase? As "gray divorce" becomes more common, real estate professionals are increasingly at the center of complex housing and financial decisions for clients in this stage of life. That's why we're hosting a live Q&A with Bill Gordon, CDFA®️, focused entirely on the real estate and financial issues unique to this growing demographic — from home equity considerations to housing options that support financial independence later in life. Whether your clients are looking to sell, buy, downsize, or simply explore their options, this session will give you practical insights you can use right away. 📅 July 28, 2026 | 9:00–10:00 AM PT | 12:00–1:00 PM ET 🔗 https://attendee.gotowebinar.com/register/1773402760572511071?source=LoanOfficer #RealEstate #Realtor #RealEstateProfessionals #Longbridge #LongbridgeFinancial #CustomerForLifeSeries #Webinar #LiveWebinar #RealEstateWebinar #GrayDivorce
📢 CFP®️ PROFESSIONALS: EARN ETHICS CE CREDIT 📢 Don't miss this opportunity to fulfill your CFP®️ Board-approved Ethics CE requirement with a practical, engaging webinar led by Marguerita M. Cheng, CFP®️, Chief Executive Officer at Blue Ocean Global Wealth. She’ll cover the revised Code of Ethics and Standards of Conduct effective July 1, 2024, including how to identify and manage conflicts of interest, understand your obligations to clients, and apply practice standards in real planning scenarios. 📅 Wednesday, July 29, 2026 🕙 10:00 AM – 12:00 PM PT | 1:00 – 3:00 PM ET 🎓 Two CE Ethics credits awarded for CFP, RICP, CLU, ChFC, and CFFP/Kaplan designations Secure your spot today: https://attendee.gotowebinar.com/register/4582982624000100695?source=LO #CFPEthics #CECredit #CFP #FinancialPlanning #Webinar #EthicsCE #FinancialProfessionals #ContinuingEducation #BlueOceanGlobalWealth #CEEthics
Wishing you a festive Fourth of July from all of us here at Longbridge! ✨🎇 Today we celebrate our nation’s independence and the Semiquincentennial—the 250th anniversary of the signing of the Declaration of Independence! Here’s to a holiday spent making meaningful memories filled with joy, celebration, and gratitude for the freedoms we enjoy. #4thofJuly #FourthOfJuly #IndependenceDay #Semiquincentennial #America250
Today we recognize National Financial Freedom Day—a perfect opportunity to reflect on your financial goals and the steps you’re taking toward long-term security and independence. 💸 Head to our blog to learn about how a reverse mortgage can help you strengthen your financial plan and achieve peace of mind in retirement: https://longbridge-financial.com/blog/reverse-mortgages/reverse-mortgage-might-good-idea-older-homeowners/?agent=1 #NationalFinancialFreedomDay #FinancialFreedom #Longbridge #LongbridgeFinancial #blog
Longbridge proudly celebrates Disability Pride Month! This month recognizes the achievements, identity, and contributions of individuals with disabilities while reaffirming the importance of accessibility and inclusion for all. #DisabilityPrideMonth #DisabilityPride
About Me
Hello, I am your local Reverse Mortgage Professional. I am honored to be working with the senior community. I have over 15 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.
Branch Address: 61 South Paramus Road, Suite 500, Paramus, NJ 07652; Branch NMLS #: 957935; Phone #: 551-264-5493