
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



EXCELLENT Based on 27 reviews pyong Yol2024-06-07Trustindex verifies that the original source of the review is Google. Justin Bundy helped me so much to get my first reverse mortgage. He explains everything well and makes sure I understand what I am signing. He is very patient and caring to me. Thank you Justin for all your help for me. Cindy Baek2024-06-07Trustindex verifies that the original source of the review is Google. Justin Bundy is hands down the best part of the reverse mortgage process. From the time my dad and I talked to him until the end, Justin was caring, cordial, patient, available, and so knowledgeable. A reverse mortgage can be such a meticulous process, and Justin prepared my dad before every new step. Because I was especially careful helping my dad with his loan, I asked a lot of questions. Justin was patient through it all, often having to explain it again and again because I had a difficult time remembering all the details. But through it all, Justin made it clear and explained it well. He is honest, trustworthy, and keeps his words. I love how he cared for my dad and wanted the best for him. He would speak to my dad to make sure he understood everything before my dad signed anything. Justin has a heart of gold. Thank you Mutual of Omaha for having caring employees like Justin Bundy. Wayne Smith2023-11-17Trustindex verifies that the original source of the review is Google. Justin is very personable and easy to work with! He made sure we were in complete understanding of details. We highly recommend him to any one seeking a Reverse Mortgage! Wayne & Sandra Smith timmy tooleeus2023-04-02Trustindex verifies that the original source of the review is Google. Justin and his right hand lady (forgot her name) were EXCEPTIONAL! A dedicated team with collective knowledge second to none. I've dealt with many people in the profession (Title Companies, Mortgage Brokers, etc.) throughout numerous years and rest assured, I am critical! Especially when it comes to mortgage servicing. When I find a mortgage specialist is unable to answer key questions, they go to the back of the line. In fact, this is exactly how I found Justin. A "professional" mortgage company I nearly hired found themselves clueless when questioned about key matters. To me, this reflects the level of service to come. In short let down, I immediately turned to Justin and his team in hopes of proper results. Needless to say, the results were not disappointing. Justin was always on point and for some reason, I could not stump him! My only regret is Justin does not spread out into other sectors of business. If every business day went this smoothly, I'd feel blessed and privledged! The point is, special treatment brings special results. The very practice repeat business is built upon within any enterprise. I do not normally subscribe to corporation questionnaires and/or "rate this company" solicitations but in Justin's case, I felt compelled to do so. A small thanks for a large return. Thanks to your people, and thanks you Justin. You will go far! T.T. Dave Barton2022-10-13Trustindex verifies that the original source of the review is Google. I have referred all of my reverse mortgage clients exclusively to Justin for the past several years. He has a wonderful ability to explain the reverse mortgage process and options and work with our great senior community to navigate and complete the loan process. Highly recommend he and his team! Roberta Woody2022-10-13Trustindex verifies that the original source of the review is Google. I have referred reverse mortgage transactions to Justin and he has done a terrific job of educating the borrowers and closing the transactions in a timely manner. So glad he specializes in this product and takes such great care of the borrowers! becky ludlow2022-06-04Trustindex verifies that the original source of the review is Google. Justin Bundy and his staff done a wonderful job for me with my Reverse Mortgage. Easy to contact, fast and friendly. Thank you Justin for a stress free experience.! Suzie Howard2022-06-03Trustindex verifies that the original source of the review is Google. Great job Mr Bundy for helping us with our loan your team was very helpful in every way you made us both feel comfortable and you we're very open to any question we had day or night thanks again for your help Jack Johnson2022-06-03Trustindex verifies that the original source of the review is Google. We have worked with Justin on two different occasions with our reverse mortgage. Can’t tell you just how pleased were with his time and effort that he put in to get the process taken care of. He is very personable and knows his way through a mortgage transaction. We would totally recommend him to anyone looking for help in buying a home or to refinance your current mortgage.
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.

How Does a HECM Reverse Mortgage Create a Secure Retirement?

HECM Reverse Mortgage For Refinance
If you love your home and have no desire of leaving a Reverse...

HECM Reverse Mortgage For Purchase
Traditionally Reverse Mortgages were for refinancing homes, but...

HECM to HECM Refinance
For those already enjoying the benefit of a Reverse Mortgage, a...
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.
02 - How do I qualify for a reverse mortgage?
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.
03 - Will I lose ownership of my home?
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.
04 - Do I need to make monthly payments?
No, monthly payments are not required. The loan is repaid when the home is sold or no longer the primary residence of the borrower.
05 - What happens if the loan balance exceeds the home's value?
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.
06 - Can I still leave my home to my heirs?
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.
07 - How is the amount I can borrow determined?
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.
08 - Are reverse mortgage funds taxable?
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.
09 - What are the costs associated with a reverse mortgage?
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.
10 - Can I qualify if I still have a mortgage?
Yes, but the existing mortgage must be paid off using proceeds from the reverse mortgage. The remaining funds will be available for your use.