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.

Get Your FREE Reverse Mortgage Guidebook

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.

Senior couple with laptop for life insurance documents, home retirement planning or investment with online ecommerce website or banking. Elderly people with tax paperwork, pension or asset management

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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.

Download the Homeowner's Guide

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

The best group around. A++ service, immediate responses to questions and a smooth closing with Kellie and her team! I don't recommend anyone else in the area.