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It is February already! I hope that you are spending as much quality time with your family as I am with mine. However, some seniors are feeling overwhelmed with the economy and the impact that it is having on their retirement accounts. Did you know that there is a way to access your home equity to help meet more of your retirement goals? For this month we are providing essential education to seniors 62+ on how a Home Equity Conversion Mortgage (HECM) Loan might help them spend more time MAKING MEMORIES... NOT MORTGAGE PAYMENTS with a Home Equity Conversion Mortgage (HECM) Loan.

Whether you're looking for a new home, need to update your existing home, or just trying to live in this challenging economy without draining your retirement savings, I'm here to help. Working with a Retirement Mortgage Specialist is important to ensure that you meet the qualifications and that the product is properly explained and utilized. This may be the year you get to enjoy more of the fruits of your labor and meet more of your retirement goals.

I would love an opportunity to meet with you and help you discover if a HECM loan is right for you. Let's connect and schedule a no-obligation consultation meeting online or in person. You can also attend one of my online webinars or in-person seminars too.

Have a wonderful month!

Joan Qvigstad, Retirement Mortgage Specialist



The Benefits of Home Equity Conversion Mortgage (HECM) Loans for Home Improvement

If you're a homeowner 62 or older, you might be sitting on a significant amount of untapped home equity – equity you can use to finance essential home updates, repairs, or even major renovations. 

The Home Equity Conversion Mortgage (HECM) loan, commonly called a reverse mortgage loan, is designed for homeowners like you. Let’s explore the numerous advantages HECMs present for home improvements.

Reverse Mortgage Loans: Information for Adult Children

Whether it’s surging living costs, healthcare expenses, or insurance premiums, adult children are anxious about their parents’ economic stability, with nearly one-third expressing concern for their parents’ financial situation. Adult children may also be concerned about being able to support their parents financially while raising a family of their own.



[ON-DEMAND] Living Your Best Life with a HECM for Purchase Loan


Living Your Best Life with a Home Equity Conversion Mortgage Loan


Learn how a Home Equity Conversion Mortgage for Purchase Loan can help you upsize, downsize, or right-size your retirement living. 

Event Highlights

Do you feel overwhelmed seeing your retirement accounts shrinking and your home equity increasing? Did you know there is a way to access your home equity to help meet more of your retirement goals? Would you like to move closer to family but aren’t sure how to do so?


With a Home Equity Conversion Mortgage (HECM) loan, you have flexibility when it comes to receiving the proceeds. Several options can fit your needs and allow you to receive additional cash flow.

  • Lump sum: Can be used to purchase a new home

  • Tenure: Equal monthly payments

  • Term: Equal monthly payments for a fixed period of months, as determined by the borrower

  • Line of Credit: Payments made in installments or at various times, as determined by the borrower. Any unused funds have a growth feature

  • Combination of the Above Options That Are Right for You

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