retire in florida: Reverse Mortgage Professional Servicing Miami & South Florida - 10/07/10 02:52 PM
Below is my Biography, which will help you understand more about who I am and what I can offer as a Reverse Mortgage Expert.
Phil Stevenson combines his knowledge, education, and experience with his ingenuity and ethical practice to achieve the best possible outcomes for his clients and colleagues in every endeavor. Earning a reputation among his peers and clients as a detail-oriented, organized, efficient and highly disciplined leader, the experienced reverse mortgage advisor's goal is consistent service to his clients. He puts forth full effort and works diligently to complete all tasks in the shortest time frame possible. Family values, … (0 comments)

retire in florida: REVERSE MORTGAGE CALCULATOR for Monroe County & Florida Keys - 10/04/10 07:22 AM
Thank you for taking them time to visit this blog so that you can get the Reverse Mortgage Calculator.  Please click on the link below and enter the information as needed so that I can provide you with an ACCURATE and CURRENT CALCULATOR:
REVERSE MORTGAGE CALCULATOR
We are one of the top Reverse Mortgage Companies in Florida as we have ranked in the top 5 for almost 2 years in a row.
ONE MINUTE VIDEO TESTIMONIALS
Keep in mind that the programs, fees, costs, property values, and rates are ever changing.  So I cannot provide you with an accurate calculator at … (0 comments)

retire in florida: REVERSE MORTGAGE CALCULATOR for Miami & South Florida - 10/04/10 07:11 AM
Thank you for taking them time to visit this website/blog so that you can get a true and accurate Reverse Mortgage Calculator.  Please click on the link below and enter the information as needed so that I can provide you with an ACCURATE and CURRENT CALCULATOR:
REVERSE MORTGAGE CALCULATOR
We are one of the top Reverse Mortgage Companies in Florida as we have ranked in the top 5 for almost 2 years in a row.
ONE MINUTE VIDEO TESTIMONIALS
Keep in mind that the programs, fees, costs, property values, and rates are ever changing.  So I cannot provide you with an accurate calculator … (0 comments)

retire in florida: Reverse Mortgage Expert Servicing Miami & South Florida - 10/04/10 06:35 AM
Below is my Biography, which will help you understand more about who I am and what I can offer as a Reverse Mortgage Expert.
Phil Stevenson combines his knowledge, education, and experience with his ingenuity and ethical practice to achieve the best possible outcomes for his clients and colleagues in every endeavor. Earning a reputation among his peers and clients as a detail-oriented, organized, efficient and highly disciplined leader, the experienced reverse mortgage advisor's goal is consistent service to his clients. He puts forth full effort and works diligently to complete all tasks in the shortest time frame possible. Family values, … (0 comments)

retire in florida: Reverse Mortgage Broker Servicing Miami & South Florida - 10/04/10 06:29 AM
Below is my Biography, which will help you understand more about who I am and what I can offer as a Reverse Mortgage Expert.
Phil Stevenson combines his knowledge, education, and experience with his ingenuity and ethical practice to achieve the best possible outcomes for his clients and colleagues in every endeavor. Earning a reputation among his peers and clients as a detail-oriented, organized, efficient and highly disciplined leader, the experienced reverse mortgage advisor's goal is consistent service to his clients. He puts forth full effort and works diligently to complete all tasks in the shortest time frame possible. Family values, … (0 comments)

retire in florida: Moral Hazard: The Demise of the Mortgage Industry - 10/04/10 06:27 AM
"Moral Hazard occurs when a party insulated from risk behaves differently than it would behave if it were fully exposed to the risk."*  It can be said that the reason Mortgage "Brokers" are being pushed out of the market by regulation is because of Moral Hazard and the fact that they are unregulatable.
I was watching the movie "Wall Street: Money Never Sleeps" this weekend, and a lady asked Michael Douglas what Moral Hazard means.  He defined as Wikipedia did above, but slightly differently.  He stated its when you give someone money who is not responsible for what happens to that … (5 comments)

retire in florida: Reverse Mortgage Banker Servicing Miami & South Florida - 10/04/10 05:27 AM
Below is my Biography, which will help you understand more about who I am and what I can offer as a Reverse Mortgage Expert.
Phil Stevenson combines his knowledge, education, and experience with his ingenuity and ethical practice to achieve the best possible outcomes for his clients and colleagues in every endeavor. Earning a reputation among his peers and clients as a detail-oriented, organized, efficient and highly disciplined leader, the experienced reverse mortgage advisor's goal is consistent service to his clients. He puts forth full effort and works diligently to complete all tasks in the shortest time frame possible. Family values, … (0 comments)

retire in florida: Reverse Mortgage Lender Servicing Miami & South Florida - 10/04/10 05:26 AM
Below is my Biography, which will help you understand more about who I am and what I can offer as a Reverse Mortgage Expert.
Phil Stevenson combines his knowledge, education, and experience with his ingenuity and ethical practice to achieve the best possible outcomes for his clients and colleagues in every endeavor. Earning a reputation among his peers and clients as a detail-oriented, organized, efficient and highly disciplined leader, the experienced reverse mortgage advisor's goal is consistent service to his clients. He puts forth full effort and works diligently to complete all tasks in the shortest time frame possible. Family values, … (0 comments)

retire in florida: The Financial Reform Will Kill Our Mortgage Variety - 09/29/10 02:43 PM
So if all the current regulation and the disclosures disclosing the disclosure isn't enough, imagine the only mortgage that can be offered to a consumer is a 30 yr fixed with the same rate amongst all the lenders.  I might be exaggerating slighty, but this is what the Dodd-Frank Act will enforce because they are eliminating any form of "incentivizing" among rate or programs.
OUTCOME:
For me, as a Mortgage Professional, I actually welcome this change.  You might be asking yourself, "why?"  Well, when I was a Broker (I am now a small lender) I would lose business, even business that came highly referred, to the large lender … (2 comments)

retire in florida: THE GRAVITY OF BLOGGING! - 09/29/10 02:20 AM

I was questioning this blogging thing that is all the rage on Active Rain over the last couple months.  Then it hit me, like an apple falling from a tree and hitting me on my head.  The response to one of my blogs was so profound that I immediately understood the gravity of what blogging is all about.

As the story goes, Sir Isaac Newton was sitting under a tree when it hit him, literally.  An apple fell from a tree, and that is when he formally created the Law of Gravity.  Now, I am not saying by any means … (9 comments)

retire in florida: Testimonials for a Florida Reverse Mortgage Consultant - 09/27/10 07:51 AM
These are real clients of mine who have closed on the Reverse Mortgage.  Some are professionals who have either personally used my servies, referred me their clients, and/or friends and family.
CLICK HERE to see VIDEO on what others say about Phil Stevenson
"Phil, we appreciate the time and effort you gave to us in the reverse mortgage process. You were very timely and everything you told us was spot on. We would not hesitate to recommend you to others. It was a very good experience."
Bill Anderson & Mabel Vasniles - Florida Keys, FL
"I wish to commend Phil Stevenson for executing our … (1 comments)

retire in florida: Considering a Home Equity Conversion Mortgage or HECM? - 09/27/10 07:41 AM
When I first heard about the Reverse Mortgage, or Home Equity Conversion Mortgage (HECM), I only learned negative things about the program. I later came to realize that these were all myths or misunderstandings about the way the program used to work.
Today, lenders and mortgage companies who offer the Reverse Mortgage are highly regulated by the federal government's lending and housing arms, the Federal Housing Administration (FHA) & the US Department of Housing and Urban Development (HUD). This loan is also insured by FHA, protecting the current homeowners as well as their heirs.
There are only two upfront costs, if … (0 comments)

retire in florida: Home Equity Conversion Mortgages for Seniors - 09/27/10 07:38 AM
When I first heard about the Reverse Mortgage, or Home Equity Conversion Mortgage (HECM), I only learned negative things about the program. I later came to realize that these were all myths or misunderstandings about the way the program used to work.
Today, lenders and mortgage companies who offer the Reverse Mortgage are highly regulated by the federal government's lending and housing arms, the Federal Housing Administration (FHA) & the US Department of Housing and Urban Development (HUD). This loan is also insured by FHA, protecting the current homeowners as well as their heirs.
There are only two upfront costs, if … (0 comments)

retire in florida: Reverse Mortgage for Seniors - 09/27/10 07:35 AM
When I first heard about the Reverse Mortgage, or Home Equity Conversion Mortgage (HECM), I only learned negative things about the program. I later came to realize that these were all myths or misunderstandings about the way the program used to work.
Today, lenders and mortgage companies who offer the Reverse Mortgage are highly regulated by the federal government's lending and housing arms, the Federal Housing Administration (FHA) & the US Department of Housing and Urban Development (HUD). This loan is also insured by FHA, protecting the current homeowners as well as their heirs.
There are only two upfront costs, if … (0 comments)

retire in florida: What is the Reverse Mortgage? - 09/27/10 07:30 AM
When I first heard about the Reverse Mortgage, or Home Equity Conversion Mortgage (HECM), I only learned negative things about the program. I later came to realize that these were all myths or misunderstandings about the way the program used to work.
Today, lenders and mortgage companies who offer the Reverse Mortgage are highly regulated by the federal government's lending and housing arms, the Federal Housing Administration (FHA) & the US Department of Housing and Urban Development (HUD). This loan is also insured by FHA, protecting the current homeowners as well as their heirs.
There are only two upfront costs, if … (1 comments)

retire in florida: Considering a Reverse Mortgage? - 09/27/10 07:27 AM
When I first heard about the Reverse Mortgage, or Home Equity Conversion Mortgage (HECM), I only learned negative things about the program. I later came to realize that these were all myths or misunderstandings about the way the program used to work.
Today, lenders and mortgage companies who offer the Reverse Mortgage are highly regulated by the federal government's lending and housing arms, the Federal Housing Administration (FHA) & the US Department of Housing and Urban Development (HUD). This loan is also insured by FHA, protecting the current homeowners as well as their heirs.
There are only two upfront costs, if … (0 comments)

retire in florida: ABOUT HECM OR HOME EQUITY CONVERSION MORTGAGE - 09/27/10 07:22 AM
When I first heard about the Reverse Mortgage, or Home Equity Conversion Mortgage (HECM), I only learned negative things about the program. I later came to realize that these were all myths or misunderstandings about the way the program used to work.
Today, lenders and mortgage companies who offer the Reverse Mortgage are highly regulated by the federal government's lending and housing arms, the Federal Housing Administration (FHA) & the US Department of Housing and Urban Development (HUD). This loan is also insured by FHA, protecting the current homeowners as well as their heirs.
There are only two upfront costs, if … (0 comments)

retire in florida: Shaun Donavan vs. Napoleon Dynamite - 09/27/10 07:18 AM
Shaun Donovan is the United States Secretary of Housing and Urban Development (US Sec of HUD in short).  And as the gentlemen at TBWS Daily so aptly put it; is there a difference between Shaun Donovan and Napoleon Dynamite?  You decide:










They look the same, and their actions don’t seem too far off either.  Consider these factors:
Tax Credit – Failure; but hey, it was great for those who took advantage.  But even Donovan says that we are worse off now than we were before they gave the tax credit.  “Enjoy … (0 comments)

retire in florida: Survey shows more older internet users embracing social media - 09/24/10 02:05 AM
My niche caters mostly to people over 62 years of age, and many think that the Internet and social media is simple for the younger generations.  Yet research continues to show that more and more seniors are online.  This is an excellent article from Reverse Mortgage Daily.  So the article below details this phenomena.
It comes as no surprise that a survey recently released by Pew Research Center shows young adults to be the largest consumers of social media. According to Pew Research Center's Internet and American Life Project Survey, 86% of online adults ages 18 to 29 said that they … (2 comments)

retire in florida: Reverse Mortgage Testimonials - 09/23/10 06:38 AM
CLICK HERE to view VIDEO TESTIMONIALS about Phil Stevenson...
“Phil, we appreciate the time and effort you gave to us in the reverse mortgage process. You were very timely and everything you told us was spot on. We would not hesitate to recommend you to others. It was a very good experience."
Bill Anderson & Mabel Vasniles - Florida Keys, FL
 "I wish to commend Phil Stevenson for executing our reverse mortgage loan so well. From the very first day and all the steps in between, everything went very smoothly. That includes scheduling the appraiser, survey team and all the other … (0 comments)