“I’d like less pressure from my mortgage payment.”
Explore whether replacing your current mortgage with a reverse mortgage could create more room in the monthly budget.
Review payment optionsReverse mortgages · Central Florida & beyond
You’ve built the equity.
What would you like it to do?
Make the monthly budget more comfortable. Move closer to family. Keep more cash available for the years ahead. Your home equity could help make the next chapter work better.
Richard McWhorter helps homeowners, families and their advisors turn those goals into a mortgage plan they can understand and act on.
Your retirement mortgage advisor.
Start with what you want to change
Which conversation sounds like yours?
“I want the next home, with more cash left over.”
Compare purchase financing with paying cash, and see how a reverse mortgage could help keep more resources available after the move.
Compare purchase options“I want reserves available for future wants and needs.”
Explore a line of credit you can keep available for future wants and needs, whether you use it soon or leave it untouched for later.
Explore a home equity reserveExperience behind the conversation
The numbers matter.
So does the life behind them.
Richard’s career began in accounting with Price Waterhouse and Coopers & Lybrand, followed by real estate finance, development and executive leadership. He connects a mortgage decision with cash flow, investments, the home and the people who depend on it.
Richard will look at what you want to accomplish, compare the choices and run the numbers. When a loan makes sense, he will help you move from the illustration through the mortgage process.
About RichardWhat you can expect
A useful answer to your actual question.
- An initial conversation about your goal and home.
- A personalized illustration when a mortgage option appears worth exploring.
- A clear review of proceeds, costs and the responsibilities that come with the loan.
- Room for your family, CPA or financial advisor in the conversation.
Real people. Different goals.
See what changed for these families.
Donna wanted to work on her terms.
She loved her work. Reducing the pressure from her mortgage payment helped her make a different decision about how much of it to do.
Read Donna’s storyJim and Shirley wanted their home to work better.
They paid cash for a condo, then used a HECM line of credit to make it work better for them while leaving their existing investments in place.
Read Jim and Shirley’s storyJack and Irene needed two workable housing plans.
After 52 years of marriage, a divorce meant planning for two separate homes. Two HECMs helped them turn a difficult transition into a way forward.
Read Jack and Irene’s storyThese are experiences from past transactions. Current eligibility, proceeds and terms depend on each borrower, property and loan proposal.
For CPAs, advisors, attorneys & Realtors
Have a client whose plan needs another option?
A withdrawal, care expense, survivor concern or stalled move can be the opening. Start with an anonymized situation and decide whether a mortgage illustration is worth bringing to your client.
Tell us what you’d like to make possible.
You don’t need to arrive with a mortgage answer. Bring the goal, the question or the move you’re considering, then see what the numbers can support.