Your Loan Expert, Hilary Pruitt.

Thirty-four years in the real estate and mortgage industry has taken my wife Joy and I to a new concentration in the mortgage business. We are excited to take a fresh look at the HECM, a home equity conversion mortgage for borrowers over 62 years of age. It has been redesigned to be a part of an overall retirement-income strategy. Being in that age group that is likely to live much longer that our predecessors led us to this decision. We have always wanted our job to have a higher purpose in our client's life than the typical mortgage. The Reverse Mortgage can make a major positive difference in the quality of our client's golden years.

Times are changing rapidly. Dealing with this increased longevity is going to require a lot of on-going education and that works for me. I was a teacher right out college and have always looked at one of my main requirements of being a lender to be an educator first. We always wanted our clients to be educated about the transaction they were about to enter.

Another thing that has always been a part of our business plan is to be ahead of the pack, to accomplish that you must work for the best of the best. Guild Mortgage Company meets that description. Guild has a division that specializes in reverse mortgages and is one of the top reverse producers in the industry. Again, the best of the best. They are direct endorsement lenders, meaning they originate, process, underwrite, and fund the loans. This fits another of my requirements in selecting the right company to be associated with, being as close to the real source of the money as possible. We can serve you better working with that lender. We provide that kitchen table personal service with the strength of the best behind us.

 Our aging clients are entering a time that has been described as our golden years. For those years to be truly golden they must have a retirement plan for that to be the case.

The Reverse Mortgage needs to be a part of most of those plans. The reverse mortgage is no longer just the tool of absolute last resort. The reverse mortgage can help to solve a lot of the potential problems in your financial plan. I look forward to helping educate you to the positive potentials of a reverse mortgage. It can be a life changer.