More room in retirement. The house stays yours.
If you're 62 or older and own your home, a reverse mortgage may be one way to put the equity you've built to work, without giving up ownership and without giving up the decision. I'll show you the real options, including leaving things exactly as they are.
Free 15 to 30 minute call. No application, no credit pull. Family and advisors welcome on the line.
David MartelMortgage Loan Originator · NMLS 2521668 · Barrett Financial Group
What are you thinking about?
Start with your situation, not a menu of loan products.
I own my own home and want less financial stress
How a reverse mortgage (a HECM, the FHA-insured kind) works, what it costs, what it asks of you, and whether it fits your plan.
Explore your options 02 · MovingI want to buy a home that fits the next chapter
Buying with a reverse mortgage: a large down payment from your own funds, no required monthly principal and interest payment, and more of your cash kept in reserve.
HECM for Purchase 03 · Helping a parentMom or Dad mentioned it. I want to understand it first.
Straight answers for adult children, including the questions you feel awkward asking.
The family guideFinancial advisor, CPA or estate attorney? Start here · Run a 55+ community or senior center? Host a free session · Something else entirely? Every loan I do
Your income is real. Your tax return tells a shorter story.
Bank statement, asset-based and rental (DSCR) financing, chosen by comparing the conventional path next to each one. One decline somewhere else doesn't settle anything.
A conversation. Then a clear picture.
You'll leave with a path forward: a loan that fits, or a plan to get there, built around your actual situation. If the right answer is "not now," you'll hear that too.
- What could work for your situation, with the numbers
- The costs and the responsibilities, line by line
- The reasons to choose another path, or no path
The Options Process
Four steps. The third one is yours, on purpose.
Discovery
A 15 to 30 minute conversation about your goals, your home and your questions. No documents, no application.
Options
Within one business day: one to three real options with costs and trade-offs, or exactly why it doesn't fit yet and what would change that.
Your decision
Choose a path, or choose to wait. There is no clock running.
The details
Application, counseling, appraisal, underwriting, closing. One person to call the whole way.
I've sat on the family side of this table.
My parents had a reverse mortgage before I entered this business. Watching what it meant for their retirement is why I focus on helping families understand the choice, and why I'll tell you plainly when it isn't the right one.
From start to finish I felt like a real person and not just another loan number in the system.
I felt respected and cared for throughout the entire process. Prompt responses and very educational with the process and my options.
Watch the process before you make a single call
The questions I'm asked most, answered on camera. No sign-up, no gate.
Reverse mortgage process: first call to funding
Does the bank actually take your house?
The line of credit that grows over time
You don't need all the answers to ask the first question.
Tell me what you're considering. A 15 to 30 minute conversation, then within one business day your options in writing, or the plain reason it doesn't fit yet and what would change that. No application, no credit pull.
The consultation and the options review are free. If you choose to proceed, third-party costs such as HUD counseling and an appraisal may be due before closing. Licensed in 20 states; see the full list below.
Prefer the phone? 623-698-5294, Arizona time.