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For families facing life transitions, financial decisions can be the greatest source of stress and frustration.

However, your solution could be hidden in plain sight!

With over 70% of most retirees' net worth tied up in home equity, more than ever, financial professionals are recognizing home equity as one of the most misunderstood and underutilized resources available.

Access to cash, lines of credit, and even payment flexibility, creates options for families that prefer to stay in their homes.

Our Equity Wealth Strategies team is available to assist your family and your professional advisors to design the ideal plan for you! Whether looking for home modifications, funding for care, debt consolidation, additional cash flow, or simply peace of mind through an available line of credit for the unexpected, we’ve done this for other families, we can do it for you!

To learn more about solutions for YOUR family, based on YOUR needs, reach out to one of our friendly professionals today by completing the form on the right!

LENDING SOLUTIONS

Cash-Out Refinance

2nd Mortgages

Home Equity Conversion Mortgages

Reverse Mortgages up to $4MM

Land Loans

SBA Loans

Many more!

Home Equity Conversion Mortgage (HECM)

FHA insured reverse mortgage that allows homeowners aged 62 and older to unlock their home equity and access tax-free proceeds and a growing line of credit. Borrowers maintain ownership of the home, remain on title, and payments are optional.

55+ Specialty Reverse Mortgage

A proprietary reverse mortgage designed for high home values and homeowners at least 55 years of age (in select states) with available equity access up to $4MM.

Common Uses:

Funding for home renovations or modifications

Funding source for in home care expenses

Avoid investment withdrawals in down market

Improve overall cash flow

Pay off medical bills or other high interest debts

A ONETRUST HOME LOANS STORY: When Susan and her brother picked up mom from the hospital, they were completely overwhelmed. Dad was not able to care for her, her brother lived too far away, and Susan was more than busy taking care of her own kids, work and home. The last thing they wanted to worry about was paying for the upcoming expenses.

Susan reached out to Seniors Home Services who introduced the team at OneTrust Home Loans. With a home that had appreciated over the last few years and a small remaining mortgage, Susan’s parents were able to refinance with a Home Equity Conversion Mortgage. This eliminated their monthly mortgage payment, freeing up $1,100 a month, while making available over $100,000 in credit to use for home modifications and medical expenses.

Looking back, Susan expressed her gratitude that this solution provided the needed cash flow to bring in outside care as well as funds for both immediate and future expenses. She and her brother could still be there for Mom and Dad, but they were relieved of the financial burden and still able to care for their own families and careers.

Schedule a complimentary consultation to find out which solution best fits your needs

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