I'm offering my help for our Seniors

By
Services for Real Estate Pros with Certified Mobile Notary Signing Agent NMLS #268590

The government has just announced there will be NO INCREASE in Social Security payments next year. That effects 71 million Americans or nearly 20 percent of the entire population of this great country.   Unfortunately, most of those who will have to adjust to this announcement are seniors.

I want to help our seniors.   Many of them are struggling with financial issues and often they don't know where to turn for help.   For many, Social Security is their only source of income.   The reality is, not all seniors are in a position to be helped, but I want to do what I can.

I have at my disposal, loan products that can help seniors deal with this change.   Whether considering the need to Refinance, looking at the option of a Reverse Mortgage or thinking about doing a Home Equity loan; any decision should be based on good, sound financial advice.   I am here offering to share with you that advice.

Let's sit down and talk.   Any senior within the state of Virginia is potentially my customer as I am LICENSED statewide.   I would be glad to discuss these matters with any senior here that is worried about the future and trying to figure out how they should move forward financially in this environment.

This is only the 3rd time this has occurred in the last 40 years.   Not having a COLA increase can seem small when looking at the specific dollar amount but when the average Social Security check is less than $1,300.00 a month; this is of major concern to the recipients.

I don't work for the government or the Social Security Administration.   I am not offering information on government benefits and the like but rather I am saying I will try to help seniors weather the financial storm this decision could create in their lives.

If I may be of assistance to any senior or to any concerned family members here in the state of Virginia, please call or email me and let's set up an appointment to talk.   Doing something positive financially can offset the possible negative impacts coming from this and make for a brighter future for seniors.

Please, keep in mind; every person's situation is different and unique.   No one solution will fix every problem and in some cases, it will be beyond my ability and products to resolve but, . . . . . . . . 

 

I'm offering my help for our seniors.

 

*****

Deanna Early is a Nationally Licensed Mortgage Loan Originator at Smith Mountain Lake, Virginia.   She is the residential loan originator for American National Bank and Trust.   She provides home mortgages, construction loans and lot loans.   She does both purchase and refinance loans.

Her website is  www.DeannaEarly.com

Please contact her for your financing needs at (540) 721-2349 or by email at  "earlyd@amnb.com"

Comments (8)

David Gibson CNE, 719-304-4684 ~ Colorado Springs Relocation
Colorado Real Estate Advisers LLC - Colorado Springs, CO
Relocation, Luxury & Lifestyle residential

Deanna,
Good for you. It has often been a long time since seniors have investigated what is available. Glad you are there to help.

Oct 16, 2015 07:30 AM
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Deanna our seniors always seem to get the short end of the stick.  They should remember that when they step into the voting both next month.

Oct 16, 2015 09:56 AM
Patricia Kennedy
RLAH Real Estate - Washington, DC
Home in the Capital

Deanna, it is so difficult to get any kind of information on reverse mortgages without giving away an awufl lot of private information.  It would be a gigantic help for seniors to have a web site that could give them information on how refinancing with a reverse mortgage could work for them.  Some are just interested in reducing or eliminating their mortgage payment, which I understand is one option.  Hmmm.  That would make a terrific blog post topic.

Oct 16, 2015 01:42 PM
DEANNA C. SMITH CERTIFIED MOBILE NOTARY

Reverse mortgages can be good and bad.   Since every client's situation is unique, I prefer we talk options face to face to be sure I get them the right option.

Oct 17, 2015 02:44 AM
Joe Petrowsky
Mortgage Consultant, Right Trac Financial Group, Inc. NMLS # 2709 - Manchester, CT
Your Mortgage Consultant for Life

Good morning Deanna. There are many more companies offering reverse mortgages these day. Will have a post coming out on this topic.

The guidelines are much more restrictive for reverse mortgages, that will reduce the number of seniors that will actually qualify, unfortunately.

Oct 16, 2015 07:25 PM
DEANNA C. SMITH CERTIFIED MOBILE NOTARY

You are right, Joe.   Recent changes make it necessary to review each client individually.   Looking forward to your post.

Oct 17, 2015 02:45 AM
1~Judi Barrett
Integrity Real Estate Services 118 SE AVE N, Idabel, OK 74745 - Idabel, OK
BS Ed, Integrity Real Estate Services -IDABEL OK

I hope that those Seniors that need your help, take you up on your offer to visit with them about loan programs that would be beneficial to them.

Oct 16, 2015 09:27 PM
DEANNA C. SMITH CERTIFIED MOBILE NOTARY

I hope so too.   And before they get into a bad deal online or otherwise that they can't get out of without setbacks.

Oct 17, 2015 02:46 AM
Alan Kirkpatrick
Austin Texas Homes - Round Rock, TX
Alan in Austin

Deanna Early 

 

Very good post and timely for many of our seniors. I am joining the group with each passing year hopefully our policy changes to help our seniors who have contributed so much to our country. 

Oct 18, 2015 11:42 PM
DEANNA C. SMITH CERTIFIED MOBILE NOTARY

We all will be "seniors" sooner or later.   And we all will need help at some point.   I am offering my help while the opportunity exists.

Oct 20, 2015 03:30 AM
Roy Kelley
Realty Group Referrals - Gaithersburg, MD

It is good to see your continued commitment to assist seniors with their mortgage financing needs.

Oct 20, 2015 11:37 PM
DEANNA C. SMITH CERTIFIED MOBILE NOTARY

I respect my seniors because I am quickly becoming one myself.

Oct 21, 2015 01:15 AM
Amanda S. Davidson
Amanda Davidson Real Estate Group Brokered By eXp Realty - Alexandria, VA
Alexandria Virginia Homes For Sale

Deanna, I think it's great that you want to help seniors and actually sit down with them to hear about their situation. Each one is unique and there's no one size fits all in this case. 

Oct 21, 2015 12:30 AM
DEANNA C. SMITH CERTIFIED MOBILE NOTARY

Amanda S. Davidson is right.   I sit down and talk through each senior's life ambitions so I can create the right loan option to fit their individual situation and provide for a worry free future.

Oct 21, 2015 01:19 AM