One-on-one, start to finish.
You work directly with Lisa, from first call to closing.
Your Colorado Mortgage Broker for Over 25 Years
Reverse mortgages, home purchases, refinancing and more, one-on-one with Lisa Linder in Castle Pines, Colorado.
Castle Pines, ColoradoCompany NMLS #1864178Equal Housing Opportunity
Colorado roots.
More than 30 years in Colorado, based in Castle Pines.
Reverse mortgage specialists.
Options for seniors, explained in plain English.
All Your Mortgage Needs in One Place
Reverse Mortgages
Investment Properties
Reverse Mortgage for a New Home Purchase
Construction-to-Permanent Financing
Reverse Mortgage Line of Credit
Bank Statement Loans for Self-Employed Borrowers
New Home Purchases
Refinancing (1st Mortgage)
2nd Mortgages and HELOCs
Reverse Mortgages, Explained
Some proprietary reverse mortgages may be available starting at age 55, depending on the lender and loan program. FHA-insured Home Equity Conversion Mortgages (HECMs) require borrowers to be at least 62. Both allow eligible homeowners to access home equity while retaining title to their home.
There are no required monthly mortgage payments; the loan is repaid when the last borrower permanently leaves the home. You remain responsible for property taxes, homeowners insurance and upkeep.
Who qualifies?
Some proprietary reverse mortgage programs may accept homeowners as young as 55, depending on the lender and program. FHA-insured HECMs require borrowers to be at least 62. Home equity and other eligibility requirements apply.
Can I get one if I still have a mortgage?
Yes. The existing mortgage is paid off at closing, and the reverse mortgage funds can be used to do that.
Does the lender take title to my home?
No. Title stays in your name; the reverse mortgage is a lien, like any mortgage.
What am I still responsible for?
Property taxes, homeowners insurance (and flood insurance if required), and maintaining the home.
Will my heirs have to sell the home?
Not necessarily. Heirs can keep the home by repaying the loan, for example by refinancing, or sell it and keep any remaining equity.
Are the proceeds taxable?
Generally no. They are treated as loan advances, not income. Please consult your tax advisor.
How It Works
1
Call or send a note.
Lisa gets back to you personally.
2
A plain-English conversation.
She walks you through your options and tells you exactly what information is needed.
3
Approval and closing.
Lisa handles the details and stays a phone call away.
What Clients Say
We were so impressed with her knowledge. Our reverse mortgage was approved in three weeks and closed in the fourth. If you are looking for a reverse mortgage or even a standard mortgage, we highly recommend Lisa Linder.
Lisa met with us personally and answered my mother's questions with patience and a smile. Kindness, integrity and respect are an essential part of who Lisa is. Lisa believes in 'customer connection', not just 'customer service'.
I thought it was too good to be true, but it was everything Lisa said. It has changed my life. Thank you, Lisa!
Meet Lisa & Noelle
Lisa Linder
NMLS #410023I've lived in Colorado for over 30 years and have been a mortgage broker for more than 25 of them. I love helping people realize their dreams, and helping seniors see the options available to make their lives as stress-free as possible.
Noelle Linder
NMLS #1958706Linder Mortgage & Advertising, Inc. · Company NMLS #1864178 · Castle Pines, Colorado · Equal Housing Opportunity
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