Your Hometown Reverse Mortgage Consultant residing in Clarkesville, GA
Your Hometown Reverse Mortgage Consultant residing in Clarkesville,
GA
Licensed in Alabama, South Carolina, Georgia and Florida
Robert Parker, CRMP
Your Hometown Reverse Mortgage Consultant residing in Clarkesville, GA
Your Hometown Reverse Mortgage Consultant residing in Clarkesville,
GA
Licensed in Alabama, South Carolina, Georgia and Florida
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
Reverse Mortgage Success Story
"The line of credit is one of the best aspects of the reverse mortgage." Longbridge borrower, Steve, shares his story how he found peace of mind with a reverse mortgage.
Let’s Get Social
Property Requirements for a Reverse Mortgage
Did you know not all homes qualify for a reverse mortgage? Our latest blog explores eligible property types, occupancy requirements, key property guidelines, and more. If you’re considering tapping into your home equity in retirement, this guide is a great place to start. Read the full blog: https://longbridge-financial.com/blog/reverse-mortgages/property-requirements-for-a-reverse-mortgage/?agent=1 #ReverseMortgage #HECM #PlatinumbyLonbridge #HomeEquity #Longbridge #LongbridgeFinancial
Melissa Macerato on Why Retirement Planning Is About More Than Just a Number
Is retirement really about hitting a single “magic number”? 🤔 Longbridge Financial’s Chief Revenue and Marketing Officer, Melissa Macerato, shares why successful retirement planning goes far beyond a dollar amount. From ongoing housing and care costs to preparing for repairs and long-term expenses, it’s about building a plan that supports staying in your home for the long haul. If aging in place is part of your vision, this is a must-read. 👉 https://longbridge-financial.com/blog/latest-news/melissa-macerato-on-why-retirement-planning-is-about-more-than-just-a-number/?agent=1 #YahooFinance #LongbridgeFinancial #Longbridge #RetirementPlanning #RetirementFinances #HomeEquitySolutions #blog
Feeling the Heat? Tips to Save on Your Energy Bill
🌡️ Feeling the heat this summer? 🌡️ As temperatures rise, so can your energy bill.☀️ The good news is, staying cool doesn’t have to break the bank. We’re sharing easy and effective ways to beat the heat while keeping costs down, from energy-efficient upgrades to small daily habits that make a big difference: https://longbridge-financial.com/blog/reverse-mortgages/feeling-the-heat-tips-to-save-on-your-energy-bill/?agent=1 #SummerSavings #CoolLiving #SummerReady #EnergyEfficiency #HomeImprovement #SummerTips #LongbridgeFinancial #Longbridge
Dealing with High-Interest or Large Debts | Longbridge Financial
Worried about high-interest debt in retirement? You’re not alone. If major bills are putting pressure on your finances, your home equity could help. 🏡 Our latest blog explains how older homeowners can use a reverse mortgage to manage debt, ease financial stress, and create more breathing room in their budget. 👉 Read more: https://longbridge-financial.com/blog/reverse-mortgages/reversing-retirement-challenges-dealing-with-high-interest-or-large-debts/?agent=1 #ReverseMortgage #retirement #HomeEquity #Longbridge #LongbridgeFinancial #blog #PersonalFinance
These Retirement Expenses are No Joke: See What Costs Surprise People the Most
Retirement may be fun… but some expenses are no joke! From rising healthcare costs to home maintenance and everyday living expenses, many retirees are surprised by how certain costs add up once they leave the workforce. The good news? When you understand where the biggest surprises tend to come from, you can plan ahead and stay in control of your finances. Read our latest blog to see which retirement expenses catch people off guard — and how you can prepare for them: https://longbridge-financial.com/blog/reverse-mortgages/these-retirement-expenses-are-no-joke-see-what-costs-surprise-people-the-most/?agent=1 #Retirement #RetirementCosts #RetirementExpenses #CostofLiving #RetirementPlanning #HomeEquity #AgingInPlace #RetirementTips #BabyBoomers #ReverseMortgage #Longbridge #LongbridgeFinancial #PlatinumbyLongbridge #blog
Ask the Pros: Deciphering the Reverse Mortgage Amortization Schedule and TALC
Understanding a reverse mortgage gets easier when you can see how it changes over time. Two important tools can help bring clarity: the amortization schedule and the TALC (Total Annual Loan Cost) disclosure. These aren't just technical documents. They're designed to give you a clearer view of how the loan works so you can make more informed decisions about your home equity. In our latest “Ask the Pros” blog, Longbridge Mortgage Trainer, Julie Melser, walks us through these two important but complex components of reverse mortgages. Read our full Q&A with Julie here: https://longbridge-financial.com/blog/reverse-mortgages/ask-the-pros-deciphering-the-reverse-mortgage-amortization-schedule-and-talc/?agent=1 #ReverseMortgage #HomeEquity #AskthePros #Longbridge #LongbridgeFinancial #blogseries #blog
Property Requirements for a Reverse Mortgage
Did you know not all homes qualify for a reverse mortgage? Our latest blog explores eligible property types, occupancy requirements, key property guidelines, and more. If you’re considering tapping into your home equity in retirement, this guide is a great place to start. Read the full blog: https://longbridge-financial.com/blog/reverse-mortgages/property-requirements-for-a-reverse-mortgage/?agent=1 #ReverseMortgage #HECM #PlatinumbyLonbridge #HomeEquity #Longbridge #LongbridgeFinancial
Melissa Macerato on Why Retirement Planning Is About More Than Just a Number
Is retirement really about hitting a single “magic number”? 🤔 Longbridge Financial’s Chief Revenue and Marketing Officer, Melissa Macerato, shares why successful retirement planning goes far beyond a dollar amount. From ongoing housing and care costs to preparing for repairs and long-term expenses, it’s about building a plan that supports staying in your home for the long haul. If aging in place is part of your vision, this is a must-read. 👉 https://longbridge-financial.com/blog/latest-news/melissa-macerato-on-why-retirement-planning-is-about-more-than-just-a-number/?agent=1 #YahooFinance #LongbridgeFinancial #Longbridge #RetirementPlanning #RetirementFinances #HomeEquitySolutions #blog
Feeling the Heat? Tips to Save on Your Energy Bill
🌡️ Feeling the heat this summer? 🌡️ As temperatures rise, so can your energy bill.☀️ The good news is, staying cool doesn’t have to break the bank. We’re sharing easy and effective ways to beat the heat while keeping costs down, from energy-efficient upgrades to small daily habits that make a big difference: https://longbridge-financial.com/blog/reverse-mortgages/feeling-the-heat-tips-to-save-on-your-energy-bill/?agent=1 #SummerSavings #CoolLiving #SummerReady #EnergyEfficiency #HomeImprovement #SummerTips #LongbridgeFinancial #Longbridge
Dealing with High-Interest or Large Debts | Longbridge Financial
Worried about high-interest debt in retirement? You’re not alone. If major bills are putting pressure on your finances, your home equity could help. 🏡 Our latest blog explains how older homeowners can use a reverse mortgage to manage debt, ease financial stress, and create more breathing room in their budget. 👉 Read more: https://longbridge-financial.com/blog/reverse-mortgages/reversing-retirement-challenges-dealing-with-high-interest-or-large-debts/?agent=1 #ReverseMortgage #retirement #HomeEquity #Longbridge #LongbridgeFinancial #blog #PersonalFinance
These Retirement Expenses are No Joke: See What Costs Surprise People the Most
Retirement may be fun… but some expenses are no joke! From rising healthcare costs to home maintenance and everyday living expenses, many retirees are surprised by how certain costs add up once they leave the workforce. The good news? When you understand where the biggest surprises tend to come from, you can plan ahead and stay in control of your finances. Read our latest blog to see which retirement expenses catch people off guard — and how you can prepare for them: https://longbridge-financial.com/blog/reverse-mortgages/these-retirement-expenses-are-no-joke-see-what-costs-surprise-people-the-most/?agent=1 #Retirement #RetirementCosts #RetirementExpenses #CostofLiving #RetirementPlanning #HomeEquity #AgingInPlace #RetirementTips #BabyBoomers #ReverseMortgage #Longbridge #LongbridgeFinancial #PlatinumbyLongbridge #blog
Ask the Pros: Deciphering the Reverse Mortgage Amortization Schedule and TALC
Understanding a reverse mortgage gets easier when you can see how it changes over time. Two important tools can help bring clarity: the amortization schedule and the TALC (Total Annual Loan Cost) disclosure. These aren't just technical documents. They're designed to give you a clearer view of how the loan works so you can make more informed decisions about your home equity. In our latest “Ask the Pros” blog, Longbridge Mortgage Trainer, Julie Melser, walks us through these two important but complex components of reverse mortgages. Read our full Q&A with Julie here: https://longbridge-financial.com/blog/reverse-mortgages/ask-the-pros-deciphering-the-reverse-mortgage-amortization-schedule-and-talc/?agent=1 #ReverseMortgage #HomeEquity #AskthePros #Longbridge #LongbridgeFinancial #blogseries #blog
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. 32377. Branch Address: 137 E Morgan Street Unit A, Clarkesville, GA 30523; Branch NMLS #: 2474486; Phone #: 551-264-5494