Seniors
For Retirees and Soon-To-Be-Retired
As we grow older, the need for additional financial resources to support our monthly costs often arises. To address this, we provide reverse mortgage loans, an excellent financial solution for seniors seeking extra stability in their later years.
Our expertise lies in assisting retirees and soon-to-be-retired in securing these loans, enabling them to access funds to sustain or enhance their way of life. Reverse mortgages, available to individuals aged 62 and above, allow them to tap into their home equity. This loan type is tailored to offer seniors financial independence, while they continue to live and relish their retirement in their own home.
Utilizing your home equity doesn't have to be intimidating or scary.
The process of applying for a reverse mortgage through RMS Texas is straightforward. When you work with Robb, he will guide you step-by-step, ensuring that you understand every aspect.
Robb is committed to delivering outstanding service and ensure his clients receive the most favorable terms for their loan. With competitive interest rates and adaptable repayment choices, we cater to your specific needs.
For seniors seeking to increase cashflow, we invite you to get in touch with us. A simple phone call to learn more is free with no obligation.
We Work with Your Trusted Advisor
Because reverse mortgages are no longer a loan of "last resort", it may be a good idea to incorporate it into your overall retirement plan. It may offer additional cash flow and flexibility to help you achieve your goals.
Today, more and more financial professionals are embracing the value and safety of reverse mortgages to help their clients maximize their retirement resources. If you have an advisor you'd like for us to speak with, we are more than willing to do so. Our goal is to work WITH your financial advisor for your best outcome.
Robb Hamilton
NMLS# 358150
Broker License #2407110
This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA). It is not intended to be a substitute for legal, tax or financial advice. Consult with a qualified attorney, accountant or financial advisor for additional legal or tax advice.
*There are some circumstances that will cause the loan to mature and the balance to become due and payable. The borrower(s) must continue to pay for property taxes and insurance and maintain the property to meet HUD standards or risk default. Credit is subject to age, minimum income guidelines, credit history, and property qualifications. Program rates, fees, terms and conditions are not available in all states and subject to change.
Homeowners must be 62 years of age or older and live in the home as their primary residence. Homes must meet FHA/HUD minimum property standards. Borrowers must maintain hazard and flood insurance premiums, property taxes, utilities and make any property repairs. Although there are no mandatory monthly principal and interest mortgage payments, interest accrues on the portion of the loan amount disbursed if no payments are made. Program rates, fees, terms and conditions are not available in all states and subject to change. At the conclusion of a reverse mortgage, the borrower must repay the loan and may have to sell the home or repay the loan from other proceeds. Charges will be assessed with the loan, including an origination fee, closing costs, mortgage insurance premiums and servicing fees. The loan balance grows over time and interest is charged on the outstanding balance. The borrower remains responsible for property taxes, hazard insurance and home maintenance, and failure to pay these amounts may result in the loss of the home. Interest on a reverse mortgage is not tax-deductible until the borrower makes partial or full re-payment.
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