Your Hometown Reverse Mortgage Consultant based in Houston serving all of Texas, TX
Your Hometown Reverse Mortgage Consultant based in Houston serving all of Texas,
TX
Licensed in TX, CA, FL, GA, & CT
Vicki Cheairs
Your Hometown Reverse Mortgage Consultant based in Houston serving all of Texas, TX
Your Hometown Reverse Mortgage Consultant based in Houston serving all of Texas,
TX
Licensed in TX, CA, FL, GA, & CT
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: 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. The lender simply adds a lien onto the title to guarantee that the money will eventually be paid back when the loan becomes due.
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 not affected by a reverse mortgage – however, need-based programs such as Medicaid may be. Consult a qualified financial advisor 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 insurance benefits are well worth the relatively small cost.
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 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.
Here’s what people like you are saying about us
Very Helpful and Friendly. Helped me set up an account and get answers to my questions. Great customer service.
Donald
Now Two Very Positive Reverse Mortgages with Longbridge Financial. We had established our original reverse mortgage two years ago, and already had our new mortgage serviced by Longbridge. While we were completely pleased with our original reverse, we were contacted by Longbridge in September notifying us that with a continued downward trend in rates, there might be enough overall benefit to consider a refinancing. We did exactly that and couldn't be more pleased with our new reverse mortgage.
Brian Howell
Everything Went Well. I got an increase in my monthly income plus cash and a line of credit. I'm very happy with the outcome.
Laurel Burke
Longbridge is a Courteous, Competent, and Thoughtful Company to work with. Great salespeople and customer service.
Casey McLaughlin
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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.
Let’s Get Social

4 Factors to Consider Before Investing in Your Forever Home
When it comes to relocating or buying a new home, seniors have some unique considerations to keep in mind—the size of the home, its floor plan, its location, and how they’ll pay for it. Learn more in our latest article. The HECM for Purchase has helped many be able to consider a move to an active lifestyle community or closer to family. Learn how the HECM for Purchase may help retirees purchase a new home with No monthly mortgage payments. #ReverseMortgage #HECMspecialist #ReverseTX #ReverseMortgageHouston #ReverseMortgageTexas #ReverseMortgageCypress #ReverseMortgageTheWoodlands #ReverseMortgageWillis #HECMforPurchase #H4P #ReversePurchase #RetirementMortgage #Lifestyle #CAPS #CertifiedAgingInPlaceSpecialist #UniversalDesign #Remodel #Remodeler #CFP #FPA #CPA #FPAHouston #RetireWell #RetireSmart #Retirement #RightSize #Retire #FinaincialPlanner #FinancialAdvisor #ManageRisk #ExtendLifeofPortfolio #PortfolioProtection #RetirementIncome

Don’t Get Blown Away by Balloon Payments
Balloons generally imply celebration, but a balloon mortgage is anything but celebratory! With a balloon mortgage, monthly payments cover the interest, but not the principal, making them insufficient for paying off the loan balance. This balance can “balloon” to tens of thousands of dollars! Read our #blog to learn more: #ReverseMortgage #ReverseMortgageHouston #ReverseMortgageTexas #HECMspecialist #ReverseMortgageCypress #ReverseMortgageTheWoodlands #ReverseMortgageWillis #ReverseTX #HECM #H4P #HECMforPurchase #ReversePurchase #LOC #LineofCredit #RELOCvsHELOC #CAPS #CertifiedAgingInPlaceSpecialist #HomeEquity #Retirement #Retire #RetireWell #BalloonPayment #FinancialPlanner #FinancialAdvisor #CFP #CPA #CashFlow #FPA #FPAHouston #PortfolioProtection #ReverseEquityLineofCredit #ManageRisk

Older Generations Plan to Stay Put in Retirement
According to Bank of America’s 2022 Homebuyer Insights Report, a whopping 70% of Gen X and Baby Boomers plan to age in place. But, for many homeowners, their house will require repairs, modifications, and upgrades over the years. #ReverseMortgage #ReverseMortgageTexas #ReverseMortgageHouston #ReverseMortgageCypress #ReverseMortgageTheWoodlands #ReverseMortgageWillis #ReverseTX #HECMspecialist #CAPS #CertifiedAgingInPlaceSpecialist #CFP #FPA #CPA #FPAHouston #FinancialPlanner #FinancialAdvisor #CashFlow #Remodel #UniversalDesign #Remodeler #HECMforPurchase #H4P #ReversePurchase #PortfolioProtection #ExtendLifeofPortfolio #Retirement #RetireWell #Retire So, how can older generations be adequately prepare for these expenses? Read our #blog to find out!

What Are Retirement Mortgages and How Can You Qualify?
Qualifying for a mortgage loan during retirement can be challenging. Fortunately, retirement mortgages can be a solution! Learn more about #retirementmortgages and how to qualify in our #blog! #Longbridge #reversemortgage #retirement #ReverseMortgage #ReverseMortgageHouston #ReverseMortgageTexas #ReverseMortgageCypress #ReverseMortgageTheWoodlands #ReverseTX #HECMspecialist #HECMforPurchase #H4P #ReversePurchase #CAPS #CertifiedAgingInPlaceSpecialist #Retire #Retirement #CashFlow #LOC #LineofCredit #Financialplanner #FinancialAdvisor #FPA #CFP #CPA #PortfolioProtection #ExtendLifeofPortfolio #ManageRisk

Show Me the Money: How You Can Receive Your Reverse Mortgage Funds
There are multiple ways you can opt to receive your funds from a reverse mortgage – but which one is right for you? Learn more in our latest #blog. #ReverseMortgage #ReverseMortgageTexas #ReverseMortgageCypress #ReverseTX #HECMspecialist #HECM #HECMforPurchase #H4P #LOC #LineofCredit #ReversePurchase #ManageRisk #CAPS #CertifiedAgingInPlaceSpecialist #Retirement #Retire #RetireWell #Financialplanner #FinancialAdvisor #CFP #CPA #Remodel #Remodeler #ExtendLifeofPortfolio #CashFlow #FPA #FPAHouston

Discussing Future Housing Needs with Aging Parents
As our parents age it's crucial to discuss their future housing needs. These conversations can be challenging and emotional, but being proactive can ensure their housing arrangements align with their evolving lifestyle. Read our blog to learn more! #Longbridge #retirement #blog #aginginplace #ReverseMortgage #ReverseMortgageHouston #ReverseMortgageTexas #ReverseMortgageCypress #ReverseTX #HECMspecialist #HECM #HECMforPurchase #H4P #CAPS #CertifiedAgingInPlaceSpecialist #ReversePurchase #Remodel #UniversalDesign #LineofCredit #LOC #Retirement #Retire #RetireWell #RetireSmart #Financialplanner #Financialadvisor #ExtendLifeofPortfolio #FPAHouston #FPA

4 Factors to Consider Before Investing in Your Forever Home
When it comes to relocating or buying a new home, seniors have some unique considerations to keep in mind—the size of the home, its floor plan, its location, and how they’ll pay for it. Learn more in our latest article. The HECM for Purchase has helped many be able to consider a move to an active lifestyle community or closer to family. Learn how the HECM for Purchase may help retirees purchase a new home with No monthly mortgage payments. #ReverseMortgage #HECMspecialist #ReverseTX #ReverseMortgageHouston #ReverseMortgageTexas #ReverseMortgageCypress #ReverseMortgageTheWoodlands #ReverseMortgageWillis #HECMforPurchase #H4P #ReversePurchase #RetirementMortgage #Lifestyle #CAPS #CertifiedAgingInPlaceSpecialist #UniversalDesign #Remodel #Remodeler #CFP #FPA #CPA #FPAHouston #RetireWell #RetireSmart #Retirement #RightSize #Retire #FinaincialPlanner #FinancialAdvisor #ManageRisk #ExtendLifeofPortfolio #PortfolioProtection #RetirementIncome

Don’t Get Blown Away by Balloon Payments
Balloons generally imply celebration, but a balloon mortgage is anything but celebratory! With a balloon mortgage, monthly payments cover the interest, but not the principal, making them insufficient for paying off the loan balance. This balance can “balloon” to tens of thousands of dollars! Read our #blog to learn more: #ReverseMortgage #ReverseMortgageHouston #ReverseMortgageTexas #HECMspecialist #ReverseMortgageCypress #ReverseMortgageTheWoodlands #ReverseMortgageWillis #ReverseTX #HECM #H4P #HECMforPurchase #ReversePurchase #LOC #LineofCredit #RELOCvsHELOC #CAPS #CertifiedAgingInPlaceSpecialist #HomeEquity #Retirement #Retire #RetireWell #BalloonPayment #FinancialPlanner #FinancialAdvisor #CFP #CPA #CashFlow #FPA #FPAHouston #PortfolioProtection #ReverseEquityLineofCredit #ManageRisk

Older Generations Plan to Stay Put in Retirement
According to Bank of America’s 2022 Homebuyer Insights Report, a whopping 70% of Gen X and Baby Boomers plan to age in place. But, for many homeowners, their house will require repairs, modifications, and upgrades over the years. #ReverseMortgage #ReverseMortgageTexas #ReverseMortgageHouston #ReverseMortgageCypress #ReverseMortgageTheWoodlands #ReverseMortgageWillis #ReverseTX #HECMspecialist #CAPS #CertifiedAgingInPlaceSpecialist #CFP #FPA #CPA #FPAHouston #FinancialPlanner #FinancialAdvisor #CashFlow #Remodel #UniversalDesign #Remodeler #HECMforPurchase #H4P #ReversePurchase #PortfolioProtection #ExtendLifeofPortfolio #Retirement #RetireWell #Retire So, how can older generations be adequately prepare for these expenses? Read our #blog to find out!

What Are Retirement Mortgages and How Can You Qualify?
Qualifying for a mortgage loan during retirement can be challenging. Fortunately, retirement mortgages can be a solution! Learn more about #retirementmortgages and how to qualify in our #blog! #Longbridge #reversemortgage #retirement #ReverseMortgage #ReverseMortgageHouston #ReverseMortgageTexas #ReverseMortgageCypress #ReverseMortgageTheWoodlands #ReverseTX #HECMspecialist #HECMforPurchase #H4P #ReversePurchase #CAPS #CertifiedAgingInPlaceSpecialist #Retire #Retirement #CashFlow #LOC #LineofCredit #Financialplanner #FinancialAdvisor #FPA #CFP #CPA #PortfolioProtection #ExtendLifeofPortfolio #ManageRisk

Show Me the Money: How You Can Receive Your Reverse Mortgage Funds
There are multiple ways you can opt to receive your funds from a reverse mortgage – but which one is right for you? Learn more in our latest #blog. #ReverseMortgage #ReverseMortgageTexas #ReverseMortgageCypress #ReverseTX #HECMspecialist #HECM #HECMforPurchase #H4P #LOC #LineofCredit #ReversePurchase #ManageRisk #CAPS #CertifiedAgingInPlaceSpecialist #Retirement #Retire #RetireWell #Financialplanner #FinancialAdvisor #CFP #CPA #Remodel #Remodeler #ExtendLifeofPortfolio #CashFlow #FPA #FPAHouston

Discussing Future Housing Needs with Aging Parents
As our parents age it's crucial to discuss their future housing needs. These conversations can be challenging and emotional, but being proactive can ensure their housing arrangements align with their evolving lifestyle. Read our blog to learn more! #Longbridge #retirement #blog #aginginplace #ReverseMortgage #ReverseMortgageHouston #ReverseMortgageTexas #ReverseMortgageCypress #ReverseTX #HECMspecialist #HECM #HECMforPurchase #H4P #CAPS #CertifiedAgingInPlaceSpecialist #ReversePurchase #Remodel #UniversalDesign #LineofCredit #LOC #Retirement #Retire #RetireWell #RetireSmart #Financialplanner #Financialadvisor #ExtendLifeofPortfolio #FPAHouston #FPA
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.