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Westborough, US
Sunday, March 24, 2019
Alain Valles, CRMP, CSA, MS, MBA

Reverse mortgages – What’s the process?

By Alain Valles, CRMP, CSA, MS, MBA Too many ads and TV commercials only highlight the benefits of reverse mortgages, and are silent about the...

Wake up your lazy asset with new lending option

By Alain Valles If you are like most people your two largest retirement assets are your investment savings and your home. However, due to its...

Senior housing finance:  You’re a winner

By Alain Valles, CRMP, MBA, CSA, Managing Director Helping Hands Community Partners, Inc. “The winner is...” – YOU! I enjoyed watching the Academy Awards last month to see...

Reverse mortgage retirement success stories

By Alain Valles There is great joy helping seniors implement a long term home ownership and retirement plan. It is gratifying to see a senior...

Should I stay or should I move?

Real estate values continue to increase but so do major living expenses. Does it make more sense to downsize or figure out a plan to remain financially independent at home?  It reminds me of the old Clash song - “Should I stay or should I go?”

Reverse mortgages. The magic wand?

By Alain Valles, CRMP, MBA, CSA Managing Director Helping Hands Community Partners, Inc. How will you pay for retirement? If you are over 61-years-old, own a home...

Will you be able to afford to ‘age in place’?

I love my home. It is familiar, cozy and the place where I feel most secure and comfortable. I never want to leave. In fact, few people are eager to make a change in where they live, even as they grow older and their needs change. Studies have shown that 90 percent of adults over the age of 65 would prefer to stay in their current residence as they age.

It’s never too late to improve your financial future

If you are in your 50s or 60s, you most likely are at that stage of your life where college bills and mortgage payments, while perhaps not quite a thing of the past, are well on their way to being just that. You probably are not yet ready to retire, but for many it is closer than ever. Although people are living longer, however, the expenses of life are not declining. And, according to the National Council on Aging (NCOA), over 23 million older adults are economically insecure, either living at/below poverty or one financial crisis away.

Are reverse mortgages a scam?

By Alain Valles, MBA, CRMP, CSA Home Equity Conversion Mortgages (HECM), more commonly known as reverse mortgages, were authorized by President Ronald Reagan in 1987 and...

Take action before the reverse mortgage rules change in March

By Alain Valles Over the past 25 years hundreds of thousands of homeowners age 62 years or older have converted the equity in their home...
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