Sons Liberty
Harbor Mortgage Solutions, Inc. Expands Services to Seniors Through Association With Liberty Reverse Mortgage
DATELINE: BRAINTREE, MA…
Christopher Downey, President of Harbor Mortgage Solutions in Braintree, MA has announced their firm’s association with Liberty Reverse Mortgage, the fastest growing and third-largest originator of Reverse Mortgages in the nation.
Downey noted, “Harbor Mortgage Solutions’ relationship with Liberty Reverse Mortgage will help expand our services to senior homeowners, adding a more diversified portfolio of products from which to choose. This affiliation reaffirms our commitment to provide customized solutions for senior homeowners by broadening and deepening our ability to meet their needs.”
Harbor Mortgage will act as a broker for Liberty Reverse Mortgage, adding their products to Harbor Mortgage’s existing product line. “We chose to represent Liberty Reverse Mortgage because of a similarity in our approaches to our reverse mortgage clients, which takes into consideration what is best for each senior homeowner on an individual basis,” continued Downey. “Liberty Reverse Mortgage is a leader in the industry and has helped to institute best practice guidelines, which help all of us in the reverse mortgage industry better serve our clients.”
The Reverse of Traditional Thinking
A reverse mortgage, essentially the opposite of a traditional or “forward” mortgage, can enable seniors to tap into accumulated equity without having to face ongoing payments. Unlike traditional mortgages where borrowers make monthly payments, in a reverse mortgage the cash flow is reversed, and the lender makes payments to the borrower. This enables borrowers to use the tax free cash they receive in any way that they wish with no monthly payments due to the lender.
There are no minimum income, asset, or credit qualifications to meet and no effect on Social Security or Medicare benefits. The property must be the primary residence of the borrower and adequately insured and maintained, with real estate taxes kept current. As long as the borrower continues to live in the property the loan can never be called. Repayment is required if the home is sold, or when the last borrower permanently leaves the property, or passes away. At that time, the heirs can sell, or refinance, the property to pay off the loan.
Once the province of a few small banks and private lenders, the great majority of reverse mortgages today are provided through government-sponsored programs, namely the HUD/FHA Home Equity Conversion Mortgage (HECM) and the Fannie Mae Home Keeper (HK) programs.
Harbor Mortgage Solutions, Inc.
Specializing in conventional residential and reverse mortgages, Harbor Mortgage Solutions, Inc. is located at 100 Grandview Road, Suite 105 in Braintree, MA 02184. George A. Downey, a past chairman of the Massachusetts Mortgage Association, founded family owned and operated Harbor Mortgage Solutions in 1978. His son Christopher Downey currently serves as President of Harbor Mortgage.
Assisted by a staff of experienced mortgage professionals, Harbor Mortgage Solutions is dedicated to providing customized service, obtaining the best possible solution for each individual client every time. An equal opportunity lender licensed in Massachusetts (license #MC0041) and Rhode Island (license #20041821LB), Harbor Mortgage Solutions is a member of the Massachusetts Mortgage Association, the National Association of Mortgage Brokers, and the National Reverse Mortgage Lenders Association, strictly subscribing to their rigid code of ethics. Harbor Mortgage Solutions is also an Educational Subscriber of the Massachusetts Chapter of the National Association of Elder Law Attorneys.
For additional information on services offered by Harbor Mortgage Solutions please call 781-843-5553 or 800-599-8700, or visit www.HarborMortgage.com.
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