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
Enrollment timing. Employer coverage. HSAs. Coverage transitions. If you’re a financial advisor, these are all places where your clients can make Medicare mistakes, and those mistakes can follow them through retirement. On October 28, Margo Steinlage Kreider, J.D., of Steinlage Insurance Agency will show you how to spot common Medicare pitfalls so you can help your clients avoid them. 💡 Register now for this CE-eligible session: https://attendee.gotowebinar.com/register/8346617525155120470?source=LoanOfficer #Medicare #Longbridge #LongbridgeFinancial #webinar #CFP #CFPprofessional #FinancialProfessional #CEcredit #CEwebinar #FinancialPlanning #FinancialAdvisor #RetirementPlanning
What if your professional relationships could help you create more real estate opportunities — without simply adding more hours to your day? Join Billy Van Raaphorst of Buffini & Company and Rob Cooper of Longbridge Financial for the next session in The Business Behind the Business webinar series: Working Together to Support Clients 📅 October 21 ⏰ 12 PM ET | 9 AM PT Learn how to build stronger business partnerships by understanding what each partner does, why they do it, and how you can create value for your clients. Join the conversation 👉 https://attendee.gotowebinar.com/register/3009375877407884122?source=Loan+Officer #RealEstate #RealEstateAgents #RealEstateBusiness #RelationshipBuilding #LongbridgeFinancial #Longbridge
October 12 is National Savings Day! 💰✨ Make the most of this day by taking a pulse-check of your current savings to ensure you’re on course for your goals. Whether you’re saving for retirement, a rainy day, or a dream vacation, every little bit counts. Want to learn more about reviewing your nest egg? Check out our blog: https://longbridge-financial.com/blog/reverse-mortgages/thankful-for-your-nest-egg-how-to-review-your-retirement-savings/?agent=1 #NationalSavingsDay #blog #Longbridge #LongbridgeFinancial
Happy Indigenous Peoples’ Day! Today we recognize the rich cultures, histories, and contributions of Indigenous communities. May we continue learning, honoring, and supporting efforts to preserve their heritage. #IndigenousPeoplesDay
🍂 For your clients, retirement is often a season of change. Whether they’re navigating a health update, a family shift, or the loss of a spouse, financial stability matters during times of transition. That’s where Longbridge comes in. Our flexible home equity solutions were designed with older homeowners in mind, so you can help clients plan for what's next with confidence and peace of mind. #ReverseMortgage #RetirementSolutions #HomeEquity #LongbridgeFinancial
Your clients ask about Medicare. Do you feel ready to answer? Medicare decisions can have lasting financial and coverage consequences, and your clients who are approaching retirement (or already there) are counting on you to help them get it right. That's why we're hosting Margo Steinlage Kreider, J.D., Co-Owner, President & Independent Broker at Steinlage Insurance Agency, for our next CE-eligible webinar: 🎓 Medicare Made Simple: Navigating IRMAA, HSA, and Everything in Between 📅 Wednesday, October 28 | 10 AM PT | 1 PM ET Save your spot: https://attendee.gotowebinar.com/register/8346617525155120470?source=LoanOfficer #Medicare #Longbridge #LongbridgeFinancial #webinar #CFP #CFPprofessional #FinancialProfessional #CEcredit #CEwebinar #FinancialPlanning #FinancialAdvisor #RetirementPlanning
Enrollment timing. Employer coverage. HSAs. Coverage transitions. If you’re a financial advisor, these are all places where your clients can make Medicare mistakes, and those mistakes can follow them through retirement. On October 28, Margo Steinlage Kreider, J.D., of Steinlage Insurance Agency will show you how to spot common Medicare pitfalls so you can help your clients avoid them. 💡 Register now for this CE-eligible session: https://attendee.gotowebinar.com/register/8346617525155120470?source=LoanOfficer #Medicare #Longbridge #LongbridgeFinancial #webinar #CFP #CFPprofessional #FinancialProfessional #CEcredit #CEwebinar #FinancialPlanning #FinancialAdvisor #RetirementPlanning
What if your professional relationships could help you create more real estate opportunities — without simply adding more hours to your day? Join Billy Van Raaphorst of Buffini & Company and Rob Cooper of Longbridge Financial for the next session in The Business Behind the Business webinar series: Working Together to Support Clients 📅 October 21 ⏰ 12 PM ET | 9 AM PT Learn how to build stronger business partnerships by understanding what each partner does, why they do it, and how you can create value for your clients. Join the conversation 👉 https://attendee.gotowebinar.com/register/3009375877407884122?source=Loan+Officer #RealEstate #RealEstateAgents #RealEstateBusiness #RelationshipBuilding #LongbridgeFinancial #Longbridge
October 12 is National Savings Day! 💰✨ Make the most of this day by taking a pulse-check of your current savings to ensure you’re on course for your goals. Whether you’re saving for retirement, a rainy day, or a dream vacation, every little bit counts. Want to learn more about reviewing your nest egg? Check out our blog: https://longbridge-financial.com/blog/reverse-mortgages/thankful-for-your-nest-egg-how-to-review-your-retirement-savings/?agent=1 #NationalSavingsDay #blog #Longbridge #LongbridgeFinancial
Happy Indigenous Peoples’ Day! Today we recognize the rich cultures, histories, and contributions of Indigenous communities. May we continue learning, honoring, and supporting efforts to preserve their heritage. #IndigenousPeoplesDay
🍂 For your clients, retirement is often a season of change. Whether they’re navigating a health update, a family shift, or the loss of a spouse, financial stability matters during times of transition. That’s where Longbridge comes in. Our flexible home equity solutions were designed with older homeowners in mind, so you can help clients plan for what's next with confidence and peace of mind. #ReverseMortgage #RetirementSolutions #HomeEquity #LongbridgeFinancial
Your clients ask about Medicare. Do you feel ready to answer? Medicare decisions can have lasting financial and coverage consequences, and your clients who are approaching retirement (or already there) are counting on you to help them get it right. That's why we're hosting Margo Steinlage Kreider, J.D., Co-Owner, President & Independent Broker at Steinlage Insurance Agency, for our next CE-eligible webinar: 🎓 Medicare Made Simple: Navigating IRMAA, HSA, and Everything in Between 📅 Wednesday, October 28 | 10 AM PT | 1 PM ET Save your spot: https://attendee.gotowebinar.com/register/8346617525155120470?source=LoanOfficer #Medicare #Longbridge #LongbridgeFinancial #webinar #CFP #CFPprofessional #FinancialProfessional #CEcredit #CEwebinar #FinancialPlanning #FinancialAdvisor #RetirementPlanning
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