Reverse Mortgage Planning in Pierce County, WA

FHA HECM and jumbo reverse mortgage education for homeowners 62+ in Tacoma, Puyallup, and Washington State. Strategy calls available.

Empire Home Loans

Empire Home Loans

Phone: (253) 376-5475

Email: [email protected]

NMLS# 1466931

Company NMLS# 1839243

Licensed in: AZ, TX, WA

Empire Home Loans, Inc., NMLS ID #1839243, CA DRE #02086593, CA DFPI/CFL License #60DBO-95315, AZ Lic: MB-1012019. Refer to www.nmlsconsumeraccess.org to see additional license information. The Corporate office address is 4401 Hazel Ave Suite 225, Fair Oaks, CA 95628; www.empirehomeloans.com. This communication is for informational purposes only. This is not a commitment to lend. All programs are subject to change or cancellation at any time and without notice. Empire Home Loans, Inc., supports Equal Housing Opportunity.

Reverse Mortgage Planning in Pierce County, WA | Kirk M. Rau

FHA HECM and jumbo reverse mortgage education for homeowners 62+ in Tacoma, Puyallup, and Washington State. Strategy calls available.

Reverse Mortgage Planning in Pierce County, WA

Understanding Reverse Mortgages

Important Cautions

Schedule a Reverse Mortgage Strategy Call

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Reverse Mortgage Options

Reverse Mortgage FAQs

Schedule a Reverse Mortgage Strategy Call

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Evaluate how a reverse mortgage may fit into your retirement plan. Kirk Rau helps Washington homeowners 62+ explore FHA HECM options, jumbo reverse mortgages, and home equity strategies with clarity and caution.

A reverse mortgage allows eligible homeowners 62 and older to access home equity without making required monthly principal and interest mortgage payments. The most common type is the FHA-insured Home Equity Conversion Mortgage (HECM), but proprietary jumbo reverse mortgages are also available for higher-value homes.

This is not free money. Interest and fees accrue over time, increasing the loan balance and reducing home equity. The loan becomes due when the last borrower no longer lives in the home, sells the property, or fails to meet obligations like property taxes, insurance, and maintenance.

As a Mortgage Loan Originator, I do not oversell reverse mortgages. I present them as one possible retirement planning tool. My role is to help you understand the mechanics, costs, risks, and alternatives so you and your financial advisor can make an informed decision.

• You remain responsible for property taxes, insurance, and maintenance.

• The loan balance grows over time, reducing equity.

• Eligibility for needs-based programs may be affected.

• Non-borrowing spouses have specific protections and limitations.

• HUD-approved counseling is required before proceeding.

Kirk will reach out shortly to discuss reverse mortgage strategies for your retirement plan.

If you are 62 or older and own a home in Pierce County or Washington State, a strategy call can help you understand whether a reverse mortgage fits your retirement plan—without pressure.