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
Working with Kellie Collins is an absolute pleasure from start to finish. She is knowledgeable, responsive and genuinely dedicated to helping clients through every step of the mortgage process.
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Harel Howze
1 month ago
THE BEST OF THE BEST! We have worked with Kellie and her team for the 2nd home now and couldn’t recommend anyone better, especially for new home buyers, her team is highly educated and explain and break everything down for you! You will not be blind sighted working with her team!
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Casey Bendt
1 month ago
Kellie and her team are great to deal with. They always go above and beyond. We love working with them!
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Sherry Walsh
1 month ago
Kellie is fantastic! She is helping me through the journey of refinancing. I would give 10 stars.
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Samantha Weems
1 month ago
I’ve had the pleasure of interacting with Ellie Seymour over the past year and by extension Kellie. These ladies know their stuff! I have been able to pick their brains on multiple issues and they have all the answers. This is a team to trust with your biggest decision in life.
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Donna Netzley
1 month ago
Kellie and her team were professional through the entire process. We appreciated the long hours it took her to get multiple quotes to get us the best rates possible.
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john McNamara
1 month ago
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