The Best HECM Reverse Mortgage Guy

Hello I'm Justin Bundy
The Reverse Mortgage Guy

I love what I do and I would love the opportunity to help see if a Reverse Mortgage is right for you.

Want to explore the Pros and Cons of a Reverse Mortgage?

Want to know how much you would receive?

Want to get Pre-Approved with our Fast and Simple Process?

Or simply just have questions?

5 Star Rated HECM Reverse Mortgage Expert Find Out Why From Real Clients

At The Heart Of A Better Retirement

Explore the benefits of a reverse mortgage

Supplementing Retirement Income

Many retirees face fixed incomes that may not cover all their needs. A reverse mortgage offers a steady income stream, lump sum, or line of credit, enhancing their financial security.

No Monthly Mortgage Payments

This reduces monthly expenses, allowing homeowners to allocate their limited income to other needs like healthcare, travel, or daily living costs.

Retain Home Ownership

Unlike selling a home to access its value, reverse mortgages let borrowers remain in a familiar environment, maintaining their lifestyle and independence.

Flexible Disbursement

Homeowners can tailor their reverse mortgage to fit their financial goals, whether it’s for immediate expenses, long-term financial planning, or a safety net for unexpected costs.

HECM Reverse Mortgage better retirement

How Does a HECM Reverse Mortgage Create a Secure Retirement?

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The HECM Reverse Mortgage Process Is A Snap

A Simple, Streamlined Process with Constant Support

The process is designed to be straightforward and efficient, giving you access to the funds you need without unnecessary delays. Justin is dedicated to staying available and engaged at every stage, answering questions, providing updates, and making sure you feel supported. From the initial consultation to the final disbursement, his communication and guidance help keep the experience smooth and stress-free.

Initial Consultation

The process begins with a meeting to discuss your goals and answer your questions. We explains how a reverse mortgage works and evaluate your situation to determine eligibility.

Evaluation & Approval

Your application is reviewed, and the property undergoes an appraisal. Once approved, you receive a clear outline of the terms and conditions for your reverse mortgage.

Document Collection

Next, you’ll gather the necessary documents, including proof of income, homeowner’s insurance, and property information. These materials help move your application forward.

Disbursement Process

Once everything is finalized, the funds are made available in the format you choose. Options include a lump sum, monthly payments, or a line of credit to suit your needs.

Have a Question? We Have an Answer.

01 - What is a reverse mortgage?

A reverse mortgage is a loan that allows homeowners aged 62 or older to access a portion of their home equity without selling the property. The loan is repaid when the homeowner sells the home, moves out, or passes away.

To qualify, you must be at least 62 years old, own your home outright or have substantial equity, and use the home as your primary residence. You’ll also need to meet financial and credit requirements.

No, you retain ownership of your home. The reverse mortgage is a loan secured by the property, and you must continue to pay property taxes, insurance, and maintain the home.

No, monthly payments are not required. The loan is repaid when the home is sold or no longer the primary residence of the borrower.

Reverse mortgages are non-recourse loans, meaning you or your heirs will never owe more than the home’s appraised value at the time of repayment.

Yes, your heirs can inherit the home. They can choose to repay the loan and keep the property or sell it to pay off the balance.

The amount is based on your age, the home’s value, current interest rates, and any existing mortgage balance. Older borrowers and homes with higher equity typically qualify for more.

No, the funds are considered loan proceeds, so they are tax-free. However, it’s always a good idea to consult a tax professional for advice.

The cost of our programs vary depending on the length of time of the program and often dosage. Simone Medical is not currently working with any insurance carriers however many are able to utilize HSA/FSA funds to cover the cost of programs.

Yes, but the existing mortgage must be paid off using proceeds from the reverse mortgage. The remaining funds will be available for your use.

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