Watch the process before you make a single call
The questions I'm asked most at kitchen tables, answered on camera and in writing. Nothing here is gated. Start with the series that matches your situation.
For homeowners 62+ and the families and advisors helping them. Watch in order if you're new to this.
Reverse Mortgage Process Explained: First Call to Funding
Reverse Mortgages: Does the Bank Actually Take Your House?
Reverse Mortgage Line of Credit: Why It Can Grow Over Time
Reverse Mortgage Rates: Why a Higher Rate Can Actually Help You
Reverse Mortgage: Will a Younger Spouse Lose the House?
8 Reverse Mortgage Myths (And What's Actually True)
Qualifying on deposits or assets instead of tax returns.
Self Employed? How to Get a Mortgage Without Tax Returns
Asset Depletion Mortgage: Qualify With Assets, Not Income
Cash to close, loan estimates, concessions, buydowns, and why pre-approval first is backwards.
First Time Getting a Mortgage? Every Step, Start to Finish
Stop Comparing Mortgage Rates. Compare Loan Estimates Instead.
Waiting for Lower Rates? You Can't Refinance the Purchase Price
Seller Concessions: Why the Lowest Price Isn't Always the Best Deal
How Much Cash to Buy a House? It's Not Just the Down Payment
Closing Costs vs Cash to Close: Why They Are Not the Same
What Is a 2-1 Buydown? Where the Money Actually Comes From
Why Getting Pre Approved First Is Backwards
Recasts, refinances, and what actually moves mortgage rates.
Mortgage Recast Explained: Lower Your Payment Without Refinancing
When Will Mortgage Rates Go Down? Why the Fed Doesn't Decide
Run your own numbers
Reverse mortgage estimator
Roughly how much a HECM could make available, by age and home value.
OpenPayment calculator
Full monthly payment with taxes, insurance, PMI, HOA, and extra payments.
OpenCash to close estimator
Down payment plus closing costs plus prepaids, minus credits.
OpenRent vs. buy
Total cost of each path over the years you'd actually stay.
OpenLong reads with real numbers
- Buying a Home
October 5, 2026Conventional Loans in Phoenix: 2026 Requirements, Builder Credits and How to Drop PMI
Conventional loans around Phoenix in 2026: credit and debt rules, 3% down options, how much a builder or seller can pay, PMI removal and when FHA wins.
- Self-Employed & Non-QM
October 5, 2026DSCR Loans in Phoenix: Qualify a Rental on Its Rent, with West Valley and Phoenix Numbers
How DSCR loans work on Phoenix area rentals in 2026: the ratio, local examples with HOA and CFD costs, typical lender rules and Maricopa County landlord rules.
- Buying a Home
October 5, 2026Buying Your First Home in Phoenix and the West Valley: Down Payment Help, FHA, VA and New Builds
Buying your first home around Phoenix? Compare FHA, conventional and VA, see the Maricopa County down payment programs open now and what new builds add.
- Self-Employed & Non-QM
October 5, 2026Self Employed Home Loans in Phoenix: How Lenders Read Your Business Income in 2026
Self employed near Phoenix? How lenders count S corp, LLC and Schedule C income, what they add back, and when a bank statement loan qualifies you for more.
- Self-Employed & Non-QM
August 11, 2026The Bank Said No. We Got Him Approved Anyway, Using His Assets, Not His Income.
High earners are often the hardest to approve. Asset depletion turns retirement and brokerage accounts into qualifying income - without selling anything.
- Closing Costs & Cash to Close
February 15, 2026Cash to Close Is Not The Same As Closing Costs: Where Most Buyers Get Burned
Closing costs and cash to close are not the same number. Here's the difference, what drives it, and how to plan for it before you're under contract.
Reverse mortgage written guides are being added next. For now the reverse mortgage pages are the most complete written resource on this site.
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.