We don't sell mortgages.

Looking to generate additional income while at the same time increase your property value?

Are your kids considering moving back in to save money, but you'd like to keep your privacy and theirs?

Accessory Dwelling Units (ADU) have become more popular in recent years, and are a great option!

With a HECM or Private Reverse Mortgage you can use proceeds however you wish. This may include adding an ADU, which can generate additional income if rented out and increase your property value! (Note, you must live in the main house/maintain occupancy)

Would you like to see what you qualify for with a HECM or Private Reverse Mortgage? Send us a message today! ... See MoreSee Less

Unlike Conventional or Traditional mortgages, HECM and/or Private Reverse Mortgages don't look specifically at a credit score but look at mortgage, installment and revolving debt history.

If a borrowers credit history doesn't meet specific guidelines- we will ask for extenuating circumstances; An event that may have happened to cause you to get behind on payments ie. loss of a spouse, loss of a job, health issues, ect.

Don't worry, if you don't have one of the above.. If we don't have acceptable extenuating circumstances the lender may require a LESA- Life Expectancy Set Aside (Similar to an Escrow Account). This is where your taxes and insurance are set aside and paid either to you or directly for you.

For Private Reverse Mortgages there often is a minimum credit score requirement and can range between 600-680 depending on the investor.

For more info- check out our vide on Minimum Credit Score on YouTube!

Or email us today to see what a reverse mortgage with a LESA might look like for you!

Have questions or would like to be featured on our Question & Answers, send in your questions to info@ventanahomeloans.com ... See MoreSee Less

The average hourly rate for home care across California in 2021, per Genworth's 2021 Cost of Care Survey, was $32 per hour. This can add up to quickly, needing 4 hours of care an every month can costs approximately $3,840/per month.

A HECM or Reverse Mortgage is great option to offset these costs. With optional monthly payments, retained title/ownership of the home, while still being able to age in place!

Call or reach out to us for more information! 855-645-3#homeequityq#eliminatei#mortgagepaymenty#MonthlyIncomen#Refinancenance ... See MoreSee Less

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