Storytellers
CHAPTER 1
The Love Between Mother and Daughter Endures
About Sam Collins
1-877-266-9500
www.reversemortagesforyou.com
www.seniorsrighttoknow.com
Sam Collins is the President of Delaware Financial Capital Corp, a
licensed mortgage banker, specializing in the reverse mortgage
business and is committed to improving the lives of seniors. Sam has
owned his own businesses for over 38 years and is considered a
reverse mortgage industry leader and advocates to always do the
right thing for his senior clients. Sam has four children and makes his
home in Delaware. Contact Sam scollins@delawarefinancial.com or
call 800-242-8485 for his Free report and DVD, “Ins and Outs of a
Reverse Mortgage.”
CHAPTER 2
The Answer to Our Prayer
About Us
Bradford Financial, Inc. and
Law Offices of Chris Albanese, LLC
185 Boston Post Road
Waterford, CT 06385
www.bradford-financial.com
1-800-309-0472
The Law Office of Chris Albanese LLC
1600 Route 12, Second Floor
Gales Ferry, CT 06335
www.albanese-law.com
860-464-1200
The professionals Bradford Financial, Inc. offers comprehensive
financial strategies and recognizes the reverse mortgage as a financial
tool and know how it fits in with every other financial product our
clients have. Partners Ann Marie Savona and Glenn B. Johnson are
Certified Senior Advisors and Reverse Mortgage Specialists.
The Law Office of Chris Albanese specializes in real estate law. We
are a cost competitive, client friendly closing team. We do all closings
from the simple to complex, including those entangled in foreclosure
proceedings. Residential transactions consist of about 80% of the
business. Additional practice areas are commercial real estate, limited
liability company formation for real estate investors & others, title
searching, and wills & trusts.
CHAPTER 3
One Last Wish
About Mike Mertel, CSA
Senior Solutions
Telephone: 816-509-4880
mikemertel@kc.rr.com
My passion is helping people, personally and professionally. Being a
Certified Senior Advisor & Senior Marketing Specialist allows me the
opportunity to help my clients enjoy their retirement. I provide
strategies that help my clients develop financial stewardship and
independence. By working together we at Senior Solutions help
protect your dignity should a health issue occur and protect your
family’s estate and future. I only recommend a course of action to my
clients that I would personally follow given the same situation. My
desire is to allow you to enjoy life and pursue your passions without
worrying about your current and future financial picture.
Mike is a husband and father of three children. He is a former military
officer and decorated combat veteran. He and his wife are active with
their church leadership and regularly volunteer to help veterans and
with community organizations to help people in need.
CHAPTER 4
A Better Life for My Wife, Elizabeth
About David Gardner
Advent Financial, Inc.
(410) 803-8900
www.adventmoney.com
Dave Gardner lives in Crofton, MD and specializes in senior financial
issues. He is a mortgage originator and producer-manager affiliated
with Advent Financial, Inc. in Bel Air, MD . He has nearly 30 years
experience in financial services, including an extensive background in
life and health insurance. Dave is a consultant to area banks on the
reverse mortgage program and has taught Continuing Education
classes to other professionals on senior topics, including retirement
planning, long-term care and reverse mortgages.
Dave can be reached at (301) 221-9931 or call Advent Financial, Inc. at
(410) 803-8900. You are also invited to visit the Advent website at
www.adventmoney.com.
CHAPTER 5
I Don’t Have to Struggle Anymore
About Mark Yesh, VP of Reverse Mortgage
Colonial Mortgage Corporation
Livonia, Michigan
1-800-260-5484
myesh@colonial-mortgage-corp.com
yeshucan@yahoo.com
With over eleven years of experience in the mortgage industry, since
April of 2004, Mark has dedicated his time solely to reverse mortgages.
He has trained and developed a team of Reverse Mortgage Specialists
who consistently help over two-hundred fifty seniors each year.
Mark continues to originate reverse mortgage loans for seniors in the
Detroit-metro area. In addition to training Reverse Mortgage Specialists,
Mark has given dozens of seminars on the topic of Reverse
Mortgages. He believes in “HELPING SENIOR HOMEOWNERS
ENJOY LIFE”
CHAPTER 6
Senior Couple Find More Hidden Cash
About Sam Collins
1-877-266-9500
www.reversemortagesforyou.com
www.seniorsrighttoknow.com
Sam Collins is the President of Delaware Financial Capital Corp, a
licensed mortgage banker, specializing in the reverse mortgage
business and is committed to improving the lives of seniors. Sam has
owned his own businesses for over 38 years and is considered a
reverse mortgage industry leader and advocates to always do the
right thing for his senior clients. Sam has four children and makes his
home in Delaware. Contact Sam scollins@delawarefinancial.com or
call 800-242-8485 for his Free report and DVD, “Ins and Outs of a
Reverse Mortgage.”
CHAPTER 7
A Win-Win Relationship
About GIA Mortgage Corporation
Telephone: 207-251-0633
Amy Catling, Certified Senior Advisor
Amy believes strongly in customer service and sincerity. She is a
graduate of Assumption College with a degree in Biology with a
concentration in Biotechnology. After entering the workplace in 1994
she soon realized her passion for working directly with people and
using her creativity to solve problems. She became a technical sales
representative for a Massachusetts Biotech company and worked in
the sales and marketing department until the birth of her oldest child.
This is when she decided to make the area of Maine where she had
summered for years with her family her permanent home.
After staying at home with her four children: Brittany, Marissa, and
twins Emma and Tessa, she decided to enter the family business with
her brother, Eric and father Ernest. Since she has grown up around
the business (and it is “in her blood”) it seemed like a natural progression.
Because of this background she understands the importance of
honesty, integrity, and confidentiality, while doing business in her
community.
Amy’s goal as an originator is to make every transaction simple and
successful. In order to do this, she strives to understand her customer’s
wants and needs; this in turn lets her find the best solution for
each individual situation. www.seacoastreversemortgage.com
GIA Mortgage is licensed in ME, NH, MA, and CT.
CHAPTER 8
Find a Need and Meet It
About Robert A. Weber & Associates, Inc
Telephone: 1-866-338-5767
Email: bobweberloans@hotmail.com
Robert A. Weber, President
As a senior with over twenty years of experience in both the forward
and reverse sides of the industry, Bob Weber prides himself on
providing proactive financial services to his clients. Bob’s ability to
meet his client’s needs is what gets him out of bed each morning.
Contact Bob Weber for: debt consolidation, home equity loans,
lowering your monthly mortgage payments, new home purchases,
and of course – for a reverse mortgage.
CHAPTER 9
Our Family Grows With Each Client We Help
About Citizens Financial Mortgage, Inc.
1-800-738-6500
www.seniorcitizensloans.com
Amy Arnone
Joseph Arnone
Citizens Financial Mortgage loan programs financed: Conventional,
Fannie Mae, Freddie Mac, FHA, VA, SONYMA, Commercial
Mortgages and Reverse Mortgages.
Licensed States: AK, CA, CO, CT, DE, FL, ME, MD, MA, MN, NJ, NY,
PA, VA, WY.
Customer Service is not a cliché it is our standard of commitment,
which has upheld our large network of referral based business.
Customer satisfaction is our goal!
We intend to be your “lender for life.”
CHAPTER 10
Saving a Sinking Ship
About Jerry Boyd and Troy Freesemann
866-800-0280
Jerry Boyd
Troy Freesemann
troy@equipoint.com
We have been in business for over 12 years and have specialized in
Reverse Mortgages for over 3 years. Troy and Jerry are passionate
about working with seniors and love educating people about the
benefits of reverse mortgages. Our philosophy is: if you share information
with people and have their best interest in mind, you can
provide the best service and make a lot of friends along the way.
When you do something that works for people and improves their
quality of life, it’s a good thing.
CHAPTER 11
We Helped Each Other
About MLS Reverse Mortgage
Mike and Josh Borba
13478 Luther Road, Suite C
Auburn, CA 95063
Telephone: 530-888-6000
or 1-888-888-4834
www.MLSMONEY.com
www.LearnAboutReverseMortgages.com
Mike Borba started working in the Real Estate industry in 1979.
Formally a chemist for Sunkist Growers, Mike became a Broker in
1986 and started in the lending business in 1992. Mike’s successful
and ethical business practices have produced many happy and repeat
clients.
Josh Borba graduated from San Francisco State University in 2002
with a degree in Business Administration and an emphasis on International
Business. After graduation, Josh spent a few months in Spain,
studying Spanish before returning home to open MLS Mortgage with
his father, Mike Borba. Josh recently married his college sweetheart,
Alexis.
CHAPTER 12
A Modest Success
About Ryan Neuman
2544 Cleveland Ave, Suite 110
Santa Rosa, CA 95403
Toll Free: (800) 493-7098
Office: (707) 578-7098
r_neuman@msn.com
www.cornerstonereverse.com
Ryan Neuman and Cornerstone Reverse Mortgage expertise helps
create lifetime income, allowing people to live their lives to the fullest.
Ryan’s goal is to offer each individual a tailored solution that best
meets his or her life needs. Ryan has a long history of helping people
with 15 years of Real Estate and Mortgage expertise. Ryan partners
with his wife Sheri who is a Certified Public Accountant, along with
Ryan’s finance background they bring 30 years of understanding to
your picture to help bring about the right choices for you.
CHAPTER 13
A Good Neighbor
About Robert O. Brown
Delaware Financial Capital Corp
Telephone: 1-877-435-3388
Email: rbrown@delawarefinancial.com
www.defcc.com
Robert Brown has been in the mortgage business for over sixteen
years and has been helping seniors with various tax and financial
advice since he earned his CPA certificate in 1984. Robert’s philosophy
in dealing with his clients is to go the extra mile to make sure
they have the best financial loan choices. Delaware Financial Capital
Corp. is licensed by PA Department of Banking; Licensed Mortgage
Banker in Delaware and Maryland.
CHAPTER 14
New Possibilities
About Meg Twohey
(619) 850-7065 Cell
Freedom Capital Reverse specializes in asset optimization through
strategic equity planning. We feel that a thoughtful, purposeful plan
transcends individual financial tools. As such, our company integrates
financial and mortgage planning strategies to ensure the best
results for our clients. Whether our clients are just starting their
careers, planning for retirement or currently living in retirement, we
address their specific financial needs and goals and apply appropriate
solutions. We believe that when used properly, home equity can be
put to work to provide financial security through all stages of life.
Freedom Capital Reverse is licensed in the state of California. Visit:
www.freedomcap.com.
Freedom Capital Reverse is no longer in business. Meg Twohey is
now a Wells Fargo Home Mortgage Consultant and can be reached at
619-850-7056
CHAPTER 15
An Advocate for Alice
About Jennifer Hart, Certified Senior Advisor
Reverse Mortgage Specialist
Telephone: 847-210-3280
www.jenniferhartcsa.com
Jennifer Hart, CSA, is caring and understanding of the needs of the
senior community. Throughout her years of working with seniors,
Jennifer has developed strong relationships with many senior service
providers and has developed long term relationships with many of
her past clients. Jennifer conducts business using the following as a
guideline: to help seniors optimize the equity they have built in their
homes thus enabling them to live their retirement years with financial
dignity. To have all senior clients experience financial peace of mind
and security throughout their retirement years. To increase cash flow
and enable her clients to continue to live in the home they have
known and loved for years.
CHAPTER 16
Taking Care of Grandma
About Harry Gordon
www.reversemortgagecoach.net
775-823-8400, extension 113
Harry, who is a Certified Senior Advisor has been doing reverse
mortgages exclusively for four years and has been in the mortgage
business for over 14 years. He gained much of his knowledge by
teaching continuing education classes for CPAs, Certified Financial
Planners and Life Insurance Agents. Mr. Gordon views his profession
with extreme pride and seriousness. He is licensed to do business in
California and Nevada.
CHAPTER 17
Silver Linings
About Brian Cooper
iReverse Home Loans
Telephone: 888-616-2667
BrianReverse@gmail.com
www.reversemortgagetimes.org
Brian Cooper made the decision to specialize in offering reverse
mortgage programs because he wanted to make a difference, and
sleep well at night knowing that he is helping people nationwide to
live a more comfortable life. He takes a sincere interest and listens to
what the senior homeowner wants to accomplish. Brian provides accurate information so that people can make the best decisions for
themselves. Brian Cooper is a hard working, ethical, honest, caring
and respectful person and believes that these traits are what a senior
homeowner should be looking for when choosing a reverse mortgage
specialist to work with.
CHAPTER 18
Climate Control
About Laura Strickler,
Reverse Mortgage Specialist
Laura.strickler@cox.net
www.laurastrickler.com
760-518-9839 or 1-800-491-2374
With fifteen years of experience in the mortgage industry, focusing
on the senior industry since 2001, Laura Strickler prides herself on
upholding her personal philosophy: “If I wouldn’t do it for my
parents, then I wouldn’t do it for my clients.” Ms. Strickler takes the
time to get to know and (when able to) personally visit each of
her clients. Ms. Strickler is on the board of The Angel’s Depot
(www.theangelsdepot.org ), a local non-profit organization providing
food to seniors living in poverty.
CHAPTER 19
A Light at the End of the Tunnel
About Jack Chandler
The Reverse Mortgage Education Center
www.HECM.net
1-800-540-6033
Since 1975, Jack Chandler has been working with seniors in the areas
of Medicare health plans, long-term care planning, life insurance and,
for the past ten years, reverse mortgages. Mr. Chandler’s vast experience
allows him to evaluate his client’s needs and explain in simple
terms how to best utilize the resources available to mature Americans.
Mr. Chandler prides himself on taking the time to listen and relate to
all of his clients and treats each as though they were his own parents.
*****************************************************
In March of 2008, Mr. Chandler was diagnosed with Kidney Cancer
which quickly spread throughout his bones before treatment could
be given.
Through this tough time, his clients have brought such sunshine to
Jack’s life; letters, notes and cards consistently pouring in.
Not only has Jack dedicated his life to helping others, but even as he
boldly faces death he has found the strength, everyday, to continue to
take a personal interest in the well being of his clients, discussing their
needs with his best friend and business partner, Travis De Renzo.
Not one person, who has really gotten to know Jack, can honestly say
that he hasn’t left an imprint on their hearts and lives. I know he has
truly touched ours.
CHAPTER 20
Finding the Right Solution
About Team Williams
Robert Williams
Direct: (916) 716-1413
Toll free: (888) 424-2688
Sylvia Williams
Direct: (916) 719-4683
Toll free: (866) 523-1959
Website: www.reversemortgagetrainingsolutions.com
Email: sylviawilliams@comcast.net
My Blog: http://activerain.com/blogs/coachinginreverse
Robert & Sylvia Williams live in Elk Grove with their two cats. Both
have been in the reverse mortgage industry for nearly four years and
have originated approximately 700 loans between them. Both Robert
and Sylvia are licensed Real Estate agents. Sylvia has earned her
Certified Senior Advisor (CSA) designation. They are both committed
to getting the word out about this wonderful program so that seniors
can live their later years with peace and happiness, free from financial
worries.
Sylvia is so committed to the correct training of reverse mortgage
consultants that she developed a training course for loan professionals
and is a partner in Reverse Mortgage Training Solutions.
CHAPTER 21
Living In My Retirement Plan
About Robert Griffin
Griffin Financial Mortgage, LLC
888-415-1955
Robert@griffinloans.com
www.griffinloans.com
A twelve veteran of the mortgage industry, Robert Griffin specializes
in reverse mortgages and has earned the accolade of number one
reverse broker in the southwest for three years in a row. The owner of
Griffin Financial Mortgage, LLC, based in Fort Worth, Texas, his
memberships include the National Association of Mortgage Brokers
(NAMB), the Mortgage Bakers Association (MBA), the National
Reverse Mortgage Lenders Association (NMRLA), and the Better
Business Bureau (BBB).
CHAPTER 22
A Voice You’ll Remember
About Monte Rose
Telephone: 1-800-516-0545
www.monterose.com
Monte Rose has helped hundreds of seniors obtain a reverse mortgage
during the past 17 years. His career path has taken him from
salesperson to manager to executive to consultant. He is an accomplished
speaker and widely quoted industry expert. The Monte Rose
business menu includes consulting, sales training, productivity tools,
and speaking.
CHAPTER 23
Misconceptions Lead to Two Foreclosures
About Shannon Daniele
Quest Funding, Inc.
562-256-5779
Mr. Shannon Daniele, age 38, is the co-founder and executive vice
president of Quest Funding, Inc. and Quest Mortgage Fund, LLC.,
which holds a 100 million dollar security permit. He has been a
certified CMIA real estate broker since 2005. Mr. Daniele is a tireless
advocate of financial empowerment for senior citizens and takes pride
in serving his community. He has been praised by Realty Times as
“the best resource for senior citizens who want reverse mortgages.”
CHAPTER 24
In Dire Straits
About Dennis Smith, Mortgage.Shop LLC
www.ReverseMortgage.Pro
757-722-6800
Dennis Smith has been in the mortgage, insurance, and investment
business for over 25 years. He has written several financial articles for
news publications, been a regular guest on television and the past 16
years has hosted the “Family Financial Expert Hour” on multiple radio
stations. Dennis also earned the Virginia Mortgage Brokers Association’s
Award of Excellence in the Field of Reverse Mortgages and his
company has been named WAVY TV 10’s Mortgage Expert On Your Side
along with WVEC TV 13’s Mortgage Specialist. Listen to Dennis host
“Debt Free Express” on Norfolk’s WTAR 850am atwww.wtar.com.
CHAPTER 25
Retaining Memories
About Kimberly Douglass
Dunne & Company Reverse Mortgage Specialists
1.866-627-0711 toll free
KimberlyDouglass@ReverseMortgageSpecialist.Info
www.ReverseMortgageSpecialist.Info
Kimberly Douglass lives in Valrico, Florida with her son, Austin. She
is a mortgage originator specializing in reverse mortgages and
mortgage modifications. Kimberly is affiliated with Dunne & Company
Mortgage Lenders where she heads the department of reverse
mortgages and she heads the department of mortgage modifications.
Kimberly is also a consultant to Tampa Bay area financial advisors.
CHAPTER 26
A Starlet’s Story
About David Olson
Affordable Interest Mortgage
303-570-1148
I have been in the Financial Services Industries for over twenty-five
years and the Reverse Mortgage business for more than four years.
With uncompromising standards of Integrity, Honesty, and Service; I
give my clients the confidence of knowing that their transactions will
be completed professionally and ethically. Making a difference in
someone’s life, how do you describe that feeling? I am passionate
about working in the Senior market. I put away my selling shoes and
put on my educator shoes realizing also that we are not in the instant
gratification business. There are families, trusted advisors, etc to be
consulted. When you close a Reverse Mortgage, you’ll know why
you’re in the business. You won’t need anybody to say anything.
You’ll see it in their faces. d.olson@aimortgage.net
CHAPTER 27
First-Time Homebuyer
About Sue Haviland
Reverse Mortgage Success
www.asksuehaviland.com
www.reversemortgagesuccess.com
443-667-0389 or 410-557-0294
Sue Haviland is a reverse mortgage consultant in Baltimore, Maryland,
and the founder of Reverse Mortgage Success, a leader in
training and educating loan originators about reverse mortgages.
Haviland has worked in the lending industry since 1981 and has been
originating reverse mortgages for the last six years. She has helped
hundreds of families across the country in the last several years by
sharing her knowledge of this market in articles and presentations
before various professional organizations as well as the public.
CHAPTER 28
Easing Financial Pain
About David VerMeulen
VanDyk Mortgage Corporation
617-901-8902
800-605-1153
dvermeulen415@vandykmortgage.com
David VerMeulen has over 30 years of experience in financial services,
including corporate retirement plans, annuities and individual
retirement income planning, design and sales. Dave’s professional life
began with owning and operating a retirement plan TPA. After
building the organization it was sold to Dun and Bradstreet.
Most recently Dave completed his corporate career at Fidelity Investments
in Boston as part of the retirement income planning team that
built the new web based retirement income planning tool.
Dave’s Reverse Mortgage business is based in the Boston area and
serves senior homeowners throughout Massachusetts and the surrounding
states.
CHAPTER 29
A Promise Kept
About David E. Gardner
Advent Financial, Inc.
dave@adventmoney.com
www.adventmoney.com
Dave Gardner lives in Crofton, MD and specializes in senior financial
issues. He is a mortgage originator and producer-manager
affiliated with Advent Financial, Inc. in Bel Air, Maryland. He has
nearly 30 years experience in financial services, including an extensive
background in life and health insurance. Dave has consulted
with area banks on the reverse mortgage program and has taught
continuing education classes to other professionals on senior topics,
including retirement planning, long-term care and reverse mortgages.
He can be reached at (301) 221-9931 or call Advent Financial, Inc.
at (410) 803-8900.
CHAPTER 30
Finally Worry-Free
About Mark Yesh, VP of Reverse Mortgage
Colonial Mortgage Corporation
Livonia, Michigan
1-800-260-5484
myesh@colonial-mortgage-corp.com
yeshucan@yahoo.com
Mark has over eleven years of experience in the mortgage industry,
and since April of 2004, he has dedicated his time solely to reverse
mortgages. He has trained and developed a team of Reverse Mortgage
Specialists who consistently help over 250 seniors each year.
Mark continues to originate reverse mortgage loans for seniors in the
Detroit-metro area. In addition to training Reverse Mortgage specialists,
Mark has given dozens of seminars on the topic of Reverse
Mortgages. He believes in “helping senior homeowners enjoy life!”
CHAPTER 31
Insurance for Soaring Gas Prices
About GIA Mortgage Corporation
Telephone: 207-251-0633
Amy Catling, Certified Senior Advisor
Amy strongly believes in customer service and sincerity. She is a
graduate of Assumption College with a degree in Biology with a
concentration in Biotechnology. After entering the workplace in 1994
she soon realized her passion for working directly with people and
using her creativity to solve problems. She became a technical sales
representative for a Massachusetts Biotech company and worked in
the sales and marketing department until the birth of her oldest child.
This is when she decided to make Maine, where she had summered
for years, her permanent home.
After staying at home with her four children, she decided
to enter the family business. Amy’s goal as an originator is to
make every transaction simple and successful. In order to do this,
she strives to understand her customers’ wants and needs; this in
turn lets her find the best solution for each individual situation.
www.seacoastreversemortgage.com
GIA Mortgage is licensed in ME, NH, MA, and CT.
CHAPTER 32
Preserving a Home for the Third Generation
About John Barlow
Cornerstone Home Mortgage
www.reverseinfo.net
888-289-1512
John Barlow owns Cornerstone Home Mortgage with his brother Tim
Barlow. Cornerstone is a full service mortgage brokerage servicing all
types of mortgages for the residential market. We are licensed in the
state of Washington and have been originating mortgages since 2001.
Cornerstone currently has over a quarter billion in loans under
management.
CHAPTER 33
Underlying Issues
About Tom Ritter
866-672-5850
tom.ritter@axiafinancial.com
www.axiasls.com
Tom Ritter serves as president of Axia Senior Lending Solutions, a
division of Axia Financial, LLC which operates in Oregon, Washington,
and Idaho. He has been providing solutions to clients for over 24 years
in the capacity of sales, market development and sales management.
Tom served as the president and CEO of a Customer Relationship
Management software start-up in the late 90’s. The business analyzed
sales processes and helped professionals communicate more effectively
with clients and internal team members.
Tom enjoys living in the Pacific Northwest with his wife and five
children and finds that helping his clients with reverse mortgage
solutions is very rewarding. Please call him if you would like to learn
more about what a reverse mortgage can do for you.
CHAPTER 34
Three Circles of Income Create Comfort
About Jerry Boyd and Troy Freesemann
866-800-0280
Jerry Boyd
Troy Freesemann
troy@equipoint.com
We have been in business for over 12 years and have specialized in
Reverse Mortgages for over three years. Troy and Jerry are passionate
about working with seniors and love educating people about the
benefits of reverse mortgages. Our philosophy is this: If you share
information with people and have their best interest in mind, you can
provide the best service and make a lot of friends along the way.
When you do something that works for people and improves their
quality of life, it’s a good thing.
CHAPTER 35
Senior Super Hero
About Kevin Reichard
Certified Reverse Mortgage Advisor
Senior Finance Network
877-825-6320
www.thereversemortgageschool.com
Kevin’s resume includes a current position teaching the Reverse
Mortgage Class at Gold Coast Mortgage School located in South
Florida. Working exclusively in the reverse industry, Kevin has
trained dozens of reverse mortgage loan originators as well. He has
become the South Florida professional community’s first choice for
accurate and timely reverse mortgage information. Kevin’s passion
for helping seniors is unmatched. Now operating his own reverse
mortgage company in Coral Springs, Kevin continues to happily help
seniors and their families every day.
CHAPTER 36
Enjoying My Golden Years
About Randy Davis
Dollar Bank
2700 Liberty Ave
Pittsburgh, PA 15222
rdavis581@dollarbank.com
1-800-344-5626
Randy Davis has been doing mortgages for 21 years. He has a real
passion for providing reverse mortgages because he sees how it helps
give many seniors comfort and peace of mind through their golden
years.
Dollar Bank is the largest mutually owned bank in the United States
with 48 branches and loan centers in PA and Ohio.
CHAPTER 37
A Smart Business Decision
About Steven Brooks
www.mytreasurecoastloan.com
772-559-2960
or toll free 800-642-3188
Steven Brooks is a senior loan officer with the First Liberty Group of
Hometown Lenders. He lives in Vero Beach, Florida with his wife,
who is a nurse at the local hospital, and his 12-year-old son. Steven is
committed to the community. He serves as chair to the Advisory
Board of the Samaritan Center for Homeless Families. He is certified
as a Reverse Mortgage Specialist by the Association of Reverse
Mortgage Specialists.
Additionally, he has earned the XCO certification, a prestigious
certification that fewer than half of one percent of loan officers has
obtained. The certification required the completion of 90 different
courses and over 400 hours of instruction, with both written and
verbal finals.
Steven enjoys working with seniors because he can help them avoid
outliving their money by giving them a safe way to maintain their
financial independence.
CHAPTER 38
The Angel Mrs. Nelson Needed
About Chad Jude
www.ReverseForMe.info
24 / 7 Free Information Line:
877-INFO-771 (1-877-463-6771)
My team and I help seniors with free information nationwide through
a network of over 80 company wide branches. It’s not about the
money, It’s about the Love. Information is available about everything
from free counselling resources to one on one or group teachings
about the ins and outs and pros and cons of reverse mortgages.
As a child, I was primarily raised by my grandparents, which is why I
feel I’m successful in helping senior citizens with reverse mortgages.
Every single person I deal with I think, “If this were my parents or
grandparents, how can I help them?” There are many programs
available to assist seniors, and if folks viewed every client with the
mentality of “this could be my mother or grandfather that I am helping,”
well, you would do everything you could possibly could to make
their lives better. That’s what my team and I do everyday.
CHAPTER 39
Dreammaker
About Jennifer Hart, Certified Senior Advisor
Reverse Mortgage Specialist
Telephone: 847-210-3280
www.jenniferhartcsa.com
Jennifer Hart, CSA, is caring and understanding of the needs of the
senior community. Throughout her years of working with seniors,
Jennifer has built strong relationships with many senior service
providers and has developed long term relationships with many of
her past clients. Jennifer conducts business using the following as a
guideline: to help seniors optimize the equity they have built in their
homes thus enabling them to live their retirement years with financial
dignity; to have all senior clients experience financial peace of mind
and security throughout their retirement years: To increase cash flow
and enable her clients to continue to live in the home they have
known and loved for years.
CHAPTER 40
My Favorite Charity Is Me
About Brian Cooper
iReverse Home Loans
Telephone: 888-616-2667
BrianReverse@gmail.com
www.reversemortgagetimes.org
Brian Cooper made the decision to specialize in offering reverse
mortgage programs because he wanted to make a difference, and
sleep well at night knowing that he is helping people nationwide live
a more comfortable life. He takes a sincere interest and listens to what
the senior homeowner wants to accomplish. Brian provides accurate
information so that people can make the best decisions for themselves.
CHAPTER 41
A Mother’s Generous Act
About Ansley Wallace
Evofi One
702-951-9514
benelibra@gmail.com
I came to reverse mortgages because as I approached age 60 myself, I
decided to explore the subject for my own retirement planning
purposes. I have watched so many seniors struggle financially in
retirement, and I naturally began helping them. Having lived all over
the world, Asia, Europe, Africa, and all over the United States, I have
found that while cultural differences abound, people have fundamentally
the same desires – to be understood, to take care of their children,
and to live in peace.
CHAPTER 42
A Home-Saving Angel
About MLS Reverse Mortgage
Mike and Josh Borba
13478 Luther Road, Suite C
Auburn, CA 95063
Telephone: 530-888-6000
or 1-888-888-4834
www.MLSMONEY.com
www.LearnAboutReverseMortgages.com
Thanks to our Loan Officer Jan Mondragon for her hard work and
dedication to our senior clients.
Mike Borba started working in the Real Estate industry in 1979. Formally
a chemist for Sunkist Growers, Mike became a Broker in 1980’s and
started in the lending business in 1992. Mike’s successful and ethical
business practices have produced many happy and repeat clients. Josh
Borba graduated from San Francisco State University in 2002 with a
degree in Business Administration and an emphasis on International
Business. After graduation, Josh spent a few months in Spain, studying
Spanish before returning home to open MLS Mortgage with his father,
Mike Borba. Josh recently married his college sweetheart, Alexis. Read
another story by MLS Reverse Mortgage in Chapter 11.
CHAPTER 43
Spirited 91 Year Old Convinces Me of a Reverse Mortgage
About Team Williams
Sylvia Williams
Direct: (916) 719-4683
Toll free: (866) 523-1959
Website:
www.reversemortgagetrainingsolutions.com
Email: sylviawilliams@comcast.net
My Blog: http://activerain.com/blogs/coachinginreverse
Robert & Sylvia Williams live in Elk Grove with their two cats. Both
have been in the reverse mortgage industry for nearly four years and
have originated approximately 700 loans between them. Both Robert
and Sylvia are licensed Real Estate agents. Sylvia has earned her
Certified Senior Advisor (CSA) designation. They are both committed
to getting the word out about this wonderful program so that seniors
can live their later years with peace and happiness, free from financial
worries.
CHAPTER 44
Living On Faith
About John DeSantis
Delaware Financial Capital Corp.
JohnDeSantis@DelawareFinancial.com
877-435-3388
John DeSantis first entered the mortgage industry as a loan officer in
1988 and has invested countless hours and energy into learning all
aspects of the business. Since 2005, John has devoted his efforts
exclusively to helping seniors through reverse mortgage lending and
financial consulting. John and his wife are raising two children in
Baltimore County.
CHAPTER 45
A Flip to Reverse Mortgages
About Scott Saitman
Reverse Mortgage Consulting Group
916 834-1864
Scott@getreversemortgageinfo.com
My name is Scott Saitman and I specialize in helping seniors enhance
their lifestyle using the equity in their homes. I own a consulting
company, Reverse Mortgage Consulting Group, whose primary
concern is the enhancement of senior’s lives. My background is in
business with a MBA in finance. I am a licensed real estate broker and
mortgage broker.
My team has helped many local seniors enhance their lifestyles and
secure their futures with a Reverse Mortgage. With my weekly radio
show, “The Reverse Mortgage Radio Show” I am able to reach thousands
of seniors with information about reverse mortgages and other
senior related topics in a fun and enlightening format. I tell you this
not to impress you but instead to impress upon you my dedication to
educating seniors about Reverse Mortgages. Many of my past clients
refer to me as their “Guardian Angel” as I have helped them stay in
their homes under adverse financial circumstances. I live and work in
Latrobe, California. I’ve been married to Janet for the past 25 years
and have 3 great kids: Alec, 22, Samantha, 20 and Hannah, 10.
CHAPTER 46
Navigating Through an Emotionally Frozen State
About James A. Jones
President – Reverse Mortgage Division
Reliant Mortgage Company
978-279-9391 978-500-5791
jjones@reliantloan.com
James has 25 years experience advising seniors and retirees structure
their financial, financing and legal needs. Along with a graduate
degree in Finance from Harvard University and multiple professional
certifications, he brings an educational yet compassionate side to
what is, often times, an emotionally-freezing situation.
James has been a national speaker and trainer well as a guest speaker
on New England Cable Network, WRKO Talk Radio, the Massachusetts
Financial Planning Association, the Massachusetts Estate Planning
Council, Long Term Care Training Institute, and hundreds of
town senior centers.
James lives in Boxford Massachusetts with his wife Jill and three
golden retrievers.
CHAPTER 47
A Cherished Home Protected
About David V. V. Thais
Wisdom Financial Services, Inc.
www.wisdomfinancialservices.com
866-947-3662 x110
Email: dthais@wisdomfs.com
David Thais has been the consumer lending industry for over 25
years. He holds the title of Chief Operating Officer for Wisdom
Financial Services, Inc. and prides himself on offering superior
communication and service to their clients.
Wisdom Financial Services, Inc. is licensed in Washington, Oregon,
California.
CHAPTER 48
Nearly Hopeless Situation
About RJ Santiago
All American Mortgage Bankers
347-247-4600
800-687-7516
www.nysenioradvisor.com
RJ Santiago has been in the real estate and the mortgage industry
since 1984. He specializes in working with seniors facing problem
situations and foreclosure. RJ made the decision to enter the reverse
mortgage business to help seniors in financial trouble. He discovered
the benefits of reverse mortgages and how he could use this financial
tool to help seniors change their lives for the better. “My senior clients
are now able to sleep without the worry of how they are going to
survive on a limited income. I feel a great sense of accomplishment
when I can help a senior secure financial independence.” RJ personally
works with every senior client and is assisted by his administrative
assistant of thirteen years.
CHAPTER 49
Commitment to Care for and Love for Life
About Anthony Libonate
Delaware Financial Capital Corp.
22 Polly Drummond Hill Road
Newark, Delaware 19711
302-266-9500
Anthony has been a Loan Originator with Delaware Financial Capital
Corp. for over 4 years. He specializes in assisting senior homeowners
to better understand the Reverse Mortgage program. Anthony is so
dedicated to his work and clients, that he will often travel several
hours a day to meet senior homeowners in the comfort of their own
home. Originally from the “Jersey Shore”, Anthony and his wife,
Amy, now make their home in Delaware and are proud parents of 2 ½
year old, John.
CHAPTER 50
True Retirement
About Tom D’Ambrogi,
Certified Senior Advisor
Redwood Mortgage
tomd@redwood-mortgage.com
www.redwood-mortgage.com
1-800-520-7996
Tom lives in Maryland with his wife, two college age children, and
dog. I think we’re in a state of big uncertainty based on today’s
financial situation. People are getting older, and they’re living longer.
Expenses are going up. Retirements are not going to be there and we
will probably be seeing that more and more as this news unfold.
People will be using a “reverse mortgage” as part of their retirement
planning. Our goal is to help seniors enjoy life and plan for the future!
CHAPTER 51
Saving a Home with Teamwork
About Len Ricci
Real Estate Mortgage
1-800-386-3791, ext 3527 or 201-738-3879
lricci@remn.com
www.reversemortgageweb.com
Len Ricci is Vice President of the Reverse Mortgage Division of Real
Estate Mortgage Network, Inc. Len has been working with seniors for
the past 20 years. His first job out of college was with the Social
Security Administrations as a Claims Representative. Later he began
his banking and lending career and was one of the original pilot
lenders for the Reverse Mortgage program in New Jersey in 1990. He
has worked with countless reverse mortgage clients through the years
and has continued to specialize in servicing the needs of the senior
community.
CHAPTER 52
Wish List Fulfillment
About Jerome Wilkerson
Guardian Reverse Lending
512-899-3063
www.guardianreverselending.com
Jerome R. Wilkerson (Licensed Agent) is a central Texas native whose
family has been in this part of the state since before the Civil War. His
great grandfather started a real estate company before the turn of the
1900’s. He has received the American Cancer Society’s National
Honor Citation as well as many other civic awards and professional
recognition. He has completed and passed the Reverse Mortage
Examination - Reverse Mortgage Training.com. Jerome works with
his Associate Melody Bull, a Licensed Mortgage Officer.
CHAPTER 53
The Second Try
About Anthony Libonate
Delaware Financial Capital Corp.
22 Polly Drummond Hill Road
Newark, Delaware 19711
302-266-9500.
Anthony has been a loan originator with Delaware Financial Capital
Corporation for over four years. He specializes in assisting senior
homeowners to better understand the Reverse Mortgage program.
Anthony is so dedicated to his work and clients that he will often
travel several hours a day to meet senior homeowners in the comfort
of their own home. Originally from the “Jersey Shore,” Anthony and
his wife, Amy, now make their home in Delaware and are proud
parents of 2 ½ year old John.
CHAPTER 54
Thoughts on the Economy for Seniors
About Robert A. Weber & Associates, Inc
Telephone: 1-866-338-5767
Email: bobweberloans@hotmail.com
Robert A. Weber, President
As a senior with over 20 years of experience in both the forward and
reverse sides of the industry, Bob Weber prides himself on providing
proactive financial services to his clients. Bob’s ability to meet his
client’s needs is what gets him out of bed each morning. Contact Bob
Weber for: debt consolidation, home equity loans, lowering your
monthly mortgage payments, new home purchases, and of course –
for a reverse mortgage.
CHAPTER 55
Making Life Easier
About John L. Krajsa, Jr.
AFC Reverse Mortgage Inc.
610-437-7230 or toll-free 888-821-4076
www.afcreversemortgage.com
John L Krajsa, Jr. is president and principal owner of AFC Reverse
Mortgage, Inc., a Whitehall, PA based reverse mortgage lender that is
an FHA Loan Correspondent that is also licensed as a Loan Correspondent
by the Pennsylvania Department of Banking. Mr. Krajsa
previously served as legal counsel and as a corporate officer of AFC
First Financial Corporation, a Pennsylvania mortgage banking firm
and energy loan lender. He became a principal in the firm and was
named Chairman in 1991.
Since 2003, Mr. Krajsa has focused on reverse mortgage lending, an
increasingly popular financing program designed to permit senior
homeowners to “stay in place” and improve their lifestyle by using
their home equity for income.
CHAPTER 56
Helping an Inspiration
About Thomas Eby, Senior Vice President
First People’s Bank
(772) 559-0257 or 1-866-461-9383
tom.eby@firstpeoplesbank.com
Tom has been in residential lending since 1972 and began offering
reverse mortgages in 2007. He received his undergraduate degree in
Finance from the University of Miami, and graduated from the School
for Executive Development from the University of Georgia. He is an
active member of the Fort Pierce Exchange Club, a board member of
C.A.S.T.L.E., a member of the St. Lucie, Indian River and Martin
County Realtor Boards, and Treasure Coast Builders Association.
CHAPTER 57
A Truly Thankful Thanksgiving
About Frank Melia, CMPS
(Certified Mortgage Planner)
1-800-433-2120
reverse@lendmor.com
www.frankcmps.com
Frank Melia started his career specializing in retirement planning.
After eight years, in 1998 he began working with home owners
offering forward and reverse mortgages. In 2005, Frank became a
certified mortgage planner, a designation which is held in high regard
in the reverse mortgage industry. Mr. Melia primarily concentrates on
helping senior home owners secure a comfortable retirement. He is
licensed to conduct business within the following states: New York,
New Jersey, Pennsylvania, Connecticut, Maryland, North Carolina,
Florida, Texas, and California.
CHAPTER 58
Lives Saved
About Lucille Collazo
Senior Loan Officer
PrimeLending
A PlainsCapital Company
lcollazo@primelending.com
Direct Line: 360-941-5220
Office: 360-419-0198
Fax: 866-557-7463
I have been in mortgage lending for over 20 years. My knowledge and
experience allows me to provide my clients with a smooth, efficient
process for completing their loan. More than that, as an expert in the
field of reverse mortgages, you can be confident that you are working
with a professional who keeps up with current changes. You will be
informed of all the options that are available to you so that you can
make the right choice for your specific situation.
CHAPTER 59
Julie’s Empowerment
About Joe Kiefer
Barclay Funding Corp.
856-547-2005
joe@njreverse.com
Joe Kiefer was in the real estate and title insurance business for 39
years before falling in love with the reverse mortgage business. As a
senior, Joe understands the fears and needs of seniors especially in
this troubled economy. Joe’s office does reverse mortgages only –
nothing else!
CHAPTER 60
Saving Barbara’s Home
About Anthony LoSchiavo
Apex Lending Incorporated
866-393-5752
www.aloschiavo.apexlending.com
Anthony Loschiavo has been a top producer with Apex Lending
Incorporated since February of 1999. As an independent owner of a
commercial location, Anthony and his team originate commercial
mortgages, reverse mortgages, home equity loans, and first mortgages.
CHAPTER 61
Making Ends Meet Again
About Milo Schauer
Umax Mortgage
541-580-7747
eureka05@charter.net
www.umaxmortgage.com/mschauer
As a Reverse Mortgage Specialist working in the Senior Products
market, my background and life experiences have provided me with
the necessary skills to understand the needs, wants, and desires of our
senior clients. Being a senior myself, I am dedicated to our company’s
concept of: “Experience, Trust, and Integrity”.
We are all facing difficult and challenging times in our financial lives.
As a seasoned financial advisor, I pledge to be your advocate in
helping you obtaining the best loan product available.
CHAPTER 62
A Gift of Lifestyle Opportunity
About Phillis Jackson
www.AmarilloReverseMortgage.com
806-352-9260
As Manager of Athlan Mortgage, a branch of Network Funding LP,
Phillis Jackson closed the first Reverse Mortgage in Amarillo, TX (the
second one in Texas) and has a heart for working with Seniors. She
has over 26 years experience in the field of Real Estate, specializing in
investing and financing real property for over 18 years. Phillis teaches
“Financial Update” at Amarillo College for the Texas Real Estate
licensee’s MCE requirements. Ms. Jackson is a regular guest on KGNC
Radio, 710 on the dial, ”The Financial Clinic” Saturday mornings
10:00 to 12:00 AM where she interacts with the public through questions
about reverse mortgages.
