ARCHIVED BLOG POSTS
2026
Your Reverse Mortgage loan funded and now all your debts will be paid off. What would you do next?”For many homeowners, using a reverse mortgage to eliminate monthly mortgage payments or pay off credit cards brings immediate relief. Cash flow improves, stress goes down, and things finally feel ...
03/31/2026
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The ongoing conflict in Iran is driving the mortgage market right now. Since mortgage rates follow the bond market, anything big happening globally like war will move rates quickly.Normally, uncertainty (like war) helps lower rates. Investors tend to move money out of stocks and into safer option...
03/28/2026
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Data from MBSLive.net January home sales fell sharply to 587,000, down from 712,000 in December and 11% below last year. Inventory ticked up slightly to 476,000 homes, but demand slowed, pushing the months’ supply to 9.7—the highest in a year.Prices are cooling too. The median home price dropped ...
03/27/2026
If you’ve ever wondered “how does a reverse mortgage actually pay me?” you’re definitely not alone. This is one of the most common questions I get, and honestly, it’s where a lot of the confusion starts. So let’s break it down in a simple, no-pressure way.A reverse mortgage isn’t just a single l...
03/27/2026
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Last week, the average 30-year fixed rate rose to about 6.4%, and that small increase had a big impact. Overall mortgage applications dropped more than 10% in just one week.Refinancing took the biggest hit, falling around 14–15%. Most homeowners already have much lower rates (many under 4%), so ...
03/26/2026
Yesterday was an unusual day. I found myself having three separate conversations about Reverse Mortgages, each with a very different story, yet all connected by the same financial tool.For privacy, I won’t identify gender. All three individuals are older, living alone, and at very different stag...
03/24/2026
Reverse mortgages have become an increasingly popular retirement planning tool. They allow homeowners age 62 and older to convert home equity into cash flow without a required monthly mortgage payment. But a reverse mortgage is not always the right solution.6 Situations Where a Reverse Mortgage ...
03/23/2026
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If you’ve owned your Santa Clara County home for decades, you might think you know all about taxes when selling, but there’s a lesser-known 3.8% tax that can surprise even long-time homeowners. This is called the Net Investment Income Tax (NIIT), and it can apply even to your primary residence o...
03/21/2026
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Financial markets go through phases, what we often call “regimes.” The most recent one (from May 2025 to about three weeks ago) was relatively friendly for rates. Inflation was cooling, the economy looked stable, and most expected the Federal Reserve to start cutting rates later this year.That h...
03/21/2026
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If you’re exploring home financing options as a senior homeowner, you have noticed that reverse mortgages carry higher interest rates than standard mortgages. Here are 5 reasons the rates are higher.1. The Risk to Lenders is HigherUnlike traditional mortgages, reverse mortgages don’t require mo...
03/18/2026
Rainmaker
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Doug Jones
Mortgage Broker - NMLS 286668
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