Reverse with Integrity and Cultivate Your Lasting Legacy
With assistance from your home’s equity. Maximize retirement income with expert guidance on reverse mortgages from Kellie Collins.
Eliminate Monthly Mortgage Payment
Free up cash to reduce taxable withdrawals from your retirement accounts, pay off debts, and live a more comfortable lifestyle.*
*Must maintain the property and keep current on property taxes, insurance, and any HOA fees
Access Cash
Proceeds can be used however you want! You can pay for ongoing healthcare costs, home repairs, renovations, travel, or to buy another home.*
*Property must remain your primary residence
Stay in Your Home
The Home Equity Conversion Mortgage (HECM) gives you the option to stay in your home longer while maintaining ownership.*
*Must meet all obligations on the loan terms.
What’s the process for getting a Reverse Mortgage?
The reverse mortgage process is similar to getting any other mortgage. You’ll have licensed mortgage loan originators guiding you every step of the way. Below are the basic steps to applying for a reverse mortgage.
Step 1: Education
A licensed mortgage loan originator will assess your individual needs to determine if a reverse mortgage is right for your financial situation. This is a great time to get all your questions answered and your concerns addressed.
Step 2: Counseling
Reverse mortgage applicants are required to undergo independent counseling to ensure that they fully understand their financial decision. Counselors are approved by the U.S. Department of Housing and Urban Development (HUD) and have no affiliation to lenders.
Step 3: Application
As with any other loan, the application involves a lot of paperwork. A licensed mortgage loan originator will be by your side to let you know exactly which supporting financial documents you’ll need to provide, making the process as seamless as possible.
Step 4: Processing & Apppraisal
Once your application is complete, your loan officer will submit it for processing. A home appraisal will be scheduled to determine your property’s value and ensure your home is in a livable condition.
Step 5: Closing
Once the loan is approved, the last step is to sign the final documents. Any existing mortgage(s) will be paid off with a portion of the proceeds from your reverse mortgage.
Reverse Mortgage Guide for Homeowners
73% of adults rank finances as the largest source of stress in their lives. With a reverse mortgage, qualified homeowners can use their home equity to reduce financial stress and build a brighter future.
A Little Bit About Kellie
When you come to me for your mortgage, I begin by listening. I want to understand your goals and priorities so I can offer a home loan that’s right for you. You may be a first-time homebuyer or a long-time homeowner. You may be buying an investment property or looking for a renovation loan. I offer a wide range of loan programs, from FHA and VA to conventional and jumbo. You are an individual and my recommendations will respect your unique circumstances.
Communication is key, and sharing information is as important as listening. I will make sure you know what’s happening with your mortgage as it progresses through the process and will be available to answer your questions. I’ll be with you every step of the way, from application to closing and beyond.
Whether you are buying, refinancing, or renovating, I am ready to give you the outstanding home loan experience you deserve.
-Kellie Collins, NMLS ID#1776559
Google Reviews
Trying to buy a house from 1600 miles away had its own set of problems, but we were lucky enough to have Kellie working with us on our financing and mortgage. Any questions we had were answered in a timely manner and the entire process went as smooth as anyone could ever ask for.
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Tom DeSloover
1 day ago
I’ve been working with Kellie to obtain a mortgage for our new home. She has been prompt answering all my questions and provided several options for financing. Her exceptional communication throughout the process has been refreshing!
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Rob McDaniel
1 day ago
Working with Kellie is always a standout experience. From the very beginning, it's clear she is not just a mortgage lender—she’s a strategic partner who takes the time to understand your unique situation and craft the best possible path forward. What impressed me most was her creativity in finding solutions. No two loan needs are the same, and Kellie absolutely shines at tailoring options that fit you, not the other way around. She’s proactive, resourceful and always thinking a step ahead. And let’s talk about communication—next level. Every question was answered before I even had to ask. Even our attorney, who had not worked with Kellie previously, commented on how seamless and clear her communication was throughout the process. That says a lot. I can’t recommend Kellie and her team highly enough. Whether you’re a first-time homebuyer or a seasoned investor, you’ll want her in your corner.
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Alicia Smith
2 days ago
Kellie Collins and her team are hands down the absolute best when it comes to helping you get into the home of your dreams. They helped me and my husband purchase a home and it was such a smooth process thanks to their knowledge and dedication. I highly recommend them!!!
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Kelli Shepherd
3 days ago
Kellie Collins and her team are the absolute best. If you are looking for a lender who is extremely knowledgeable and 100% trustworthy look no further. The Collins team goes above and beyond to offer assistance. They treat all of their clients like family and strive for the best solution to benefit their clients.
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Susie Simmons
4 days ago
Very professional and will make it happen
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Sheila lewis
4 days ago
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