I grew up in Southern California and have lived all of my adult life in the Inland Empire.  I currently reside in Corona, California.  I have been married 30 years to my husband, David.  We have 4 children, two still at home - an 8 year old son and a 12 year old daughter. (Thanks for the sympathy!)

I am also the eldest of 7 siblings and take special pride in that role. My mother is a great inspiration to me and lives nearby in Temecula, California.  She has a great life and I want to be just like her when I grow up! 

In fact my mother is one of the main reasons I got into the business of reverse mortgages.  4 plus years ago she and my dad were having troubles meeting their monthly obligations.  Living on a fixed income in a home that they had paid cash for sounded like the perfect retirement, but the beautiful lake front home they bought had some construction defects and was in need of repair.  Mom's dream home was turning into a money pit and they had racked up some debts that were deeply biting into their income.  Not too much money left at the end of the month.  These golden years were turning out to be not so golden, as they say. As the eldest daughter and with lots of escrow and lending background, mom turned to me to find out about reverse mortgages.  Together we walked through the process and today, 4 years later I have to say, Mom's golden years are just that.  She is having a ball, with very few financial worries.  The money they save monthly by not having debt payments, goes into a travel fund that they enjoy thoroughly.  They also have a healthy line of credit set aside for emergencies. 

Mom's biggest concern was leaving a home to us kids that was free and clear, but you know what?  We didn't want it.  Can  you imagine splitting up the proceeds between us all?  Besides, there's always one or two heirs that seem to think they deserve special compensation and I love all my siblings too much to want to see us go through that kind of emotional turmoil.  Better for me to know how much my parents enjoyed their retirement, especially after all the work raising a big family.

If you have read this far, thank you.  I hope that you can tell I am sincerely interested in doing the right thing for all my clients and will do the same for you and your clients.

I believe that Attitude is Everything and Charles Swindoll's quote hangs prominently in my office.  (If you would like a copy of it just email me and I will send it to you in a Word file!)  His famous lines help me to stay centered and focused day to day as a mother, wife, sister, friend and advisor.

Based in Corona, I specialize in Reverse Mortgages for senior homeowners in Southern California. A Reverse Mortgage can be used as a financial tool to help structure your retirement to be all you dreamed.  I specialize in working with your financial advisor or other trusted professional to assist you in developing a well protected stream of retirement income.  Reverse mortgages are no longer just for the house rich and cash poor! 

Fixed or Adjustable, Reverse Mortgages can now be used to purchase your new home with no credit or income qualification (in most cases).  And of course with no monthly mortgage payments ever. Yes! It's true! No payments.

My clients have used Reverse Mortgages here in Southern California for a variety of important reasons:

• To set up funds for in home care
• To Supplement Retirement Income
• To Reduce Taxable Income
• To set up college funds for grandchildren
• To update and remodel the home
• To eliminate monthly mortgage payments, increasing Cash Flow.

In Los Angeles County, Riverside County, Orange and San Diego County I have helped many homeowners aged 62 and better to obtain a government insured FHA HECM Reverse Mortgage. 

For years I was an escrow officer and loan closing specialist, owning my own successful signing agency.  During that time I began to close reverse mortgage loans for some of my accounts and my own mother began looking into getting her own reverse mortgage.  Needless to say, after learning all about them I became passionate about this remarkable tool for senior homeowners to access their home's equity to enjoy their lives.  So much so, I was going to start another business specializing in just reverse mortgages.  Luckily for me a dear friend suggested I give Liberty Reverse Mortgage a call.  I did and started my reverse career with them, soon moving into a sales management position where I was fortunate enough to be able to train many reverse mortgage consultants, who in turn assisted countless seniors acheive peace of mind about their financial future.

Currently I am a Reverse Mortgage Specialist and I enjoy helping homeowners that can benefit by turning some of their homes equity into much needed cash flow if it fits their financial goals.

For a Free PDF of the National Council On Aging's Booklet, "Use Your Home To Stay At Home" Please Email Me at debbi.nance@gmail.com