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
Platinum Preserve isn’t just another feature of certain fixed-rate proprietary reverse mortgages from Longbridge Financial—it’s a strategic solution for clients looking to access cash today while leaving a lasting legacy for their heirs. So, who’s the ideal fit? ✔️ Homeowners who want to protect equity for their estate ✔️ Those planning for future expenses or a move ✔️ Clients looking for a cost-effective alternative to a HECM With Platinum Preserve, you can differentiate your business by offering a cost-effective home equity solution that addresses the needs of clients who are focused on estate planning and long-term security. #Longbridge #LongbridgeFinancial #LongbridgePlatinum #PlatinumPreserve #ReverseMortgage #HomeEquity #mortgage
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
Retirement planning is changing—and housing wealth is taking on a bigger role than ever before. 🏠 Join Ryan Ponsford and Chris Mayer on October 14 for a CE webinar on how innovative home equity solutions can unlock liquidity, protect assets, and strengthen client strategies. Register now to reserve your spot: https://attendee.gotowebinar.com/register/101169813468752214?source=LoanOfficer #Longbridge #LongbridgeFinancial #webinar #CFP #CFPprofessional #FinancialProfessional #CEcredit #CEwebinar #FinancialPlanning #FinancialAdvisor #Finance #HomeEquity #HomeEquitySolutions #HousingWealth
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
The Power of Virtual Reality for Seniors: Memory Care, Travel, and Cost Savings
Virtual Reality (VR) is ready to change the game! 🌠✨From connecting with family members to exploring faraway places—all from the comfort of your couch—VR can open up a world of possibilities. It’s also proving to be a powerful tool in memory care, offering cognitive benefits and meaningful engagement. Explore all the ways you can use VR to enhance your life in our blog: https://longbridge-financial.com/blog/senior-health/the-power-of-virtual-reality-for-seniors-memory-care-travel-and-cost-savings/?agent=1 #SeniorLiving #VirtualReality #MemoryCare #HealthyAging #LongbridgeFinancial #Longbridge
FHA Boosts 2024 HECM Lending Limit
New year = new lending limit. The Federal Housing Administration (FHA) recently announced that the national lending limit for the HECM Program has increased to $1,149,825 for 2024. If you’re considering a reverse mortgage, this is great news! Learn more in our latest #blog.
Platinum Preserve isn’t just another feature of certain fixed-rate proprietary reverse mortgages from Longbridge Financial—it’s a strategic solution for clients looking to access cash today while leaving a lasting legacy for their heirs. So, who’s the ideal fit? ✔️ Homeowners who want to protect equity for their estate ✔️ Those planning for future expenses or a move ✔️ Clients looking for a cost-effective alternative to a HECM With Platinum Preserve, you can differentiate your business by offering a cost-effective home equity solution that addresses the needs of clients who are focused on estate planning and long-term security. #Longbridge #LongbridgeFinancial #LongbridgePlatinum #PlatinumPreserve #ReverseMortgage #HomeEquity #mortgage
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
Retirement planning is changing—and housing wealth is taking on a bigger role than ever before. 🏠 Join Ryan Ponsford and Chris Mayer on October 14 for a CE webinar on how innovative home equity solutions can unlock liquidity, protect assets, and strengthen client strategies. Register now to reserve your spot: https://attendee.gotowebinar.com/register/101169813468752214?source=LoanOfficer #Longbridge #LongbridgeFinancial #webinar #CFP #CFPprofessional #FinancialProfessional #CEcredit #CEwebinar #FinancialPlanning #FinancialAdvisor #Finance #HomeEquity #HomeEquitySolutions #HousingWealth
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
The Power of Virtual Reality for Seniors: Memory Care, Travel, and Cost Savings
Virtual Reality (VR) is ready to change the game! 🌠✨From connecting with family members to exploring faraway places—all from the comfort of your couch—VR can open up a world of possibilities. It’s also proving to be a powerful tool in memory care, offering cognitive benefits and meaningful engagement. Explore all the ways you can use VR to enhance your life in our blog: https://longbridge-financial.com/blog/senior-health/the-power-of-virtual-reality-for-seniors-memory-care-travel-and-cost-savings/?agent=1 #SeniorLiving #VirtualReality #MemoryCare #HealthyAging #LongbridgeFinancial #Longbridge
FHA Boosts 2024 HECM Lending Limit
New year = new lending limit. The Federal Housing Administration (FHA) recently announced that the national lending limit for the HECM Program has increased to $1,149,825 for 2024. If you’re considering a reverse mortgage, this is great news! Learn more in our latest #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