Cindy Cliff

Mortgage Loan Officer

NMLS: 2075376

970-308-2540

cindy@cliffmortgages.com

🏡 88% of U.S. Seniors want to Age in Place.* 🏡
 
Reverse Mortgage (HECM - Home Equity Conversion Mortgage) allows you to do exactly that! 

Use your home equity to plan for retirement.

 
Designed for homeowners who are typically 62 years of age or older. You can convert part of your equity into cash without selling your property or make monthly mortgage payments!***

Allow your home's equity to provide for you:

  • Home Modifications and Repairs
  • Pay off existing home loan
  • Provide a Line of Credit (supplemental income)
  • Estate Planning
  • Relocation (down-sizing or right-sizing)
  • Help cover cost of home care or healthcare

Enjoy the golden years!

Reverse_Mortgage_Couple
  • Improve cash flow
  • Gray Divorce (buy-out other party)
  • Delay taking social security to increase your monthly check**
  • Avoid selling investments at a loss in a "down" market**
  • Let's brainstorm together!


    Information subject to change. Certain restrictions apply. Subject to borrower approval.

    *Robinson-Lane S. Singer D. Kirch M. Solway E. Smith E. Kullgren J. Malani P. Older Adults' Preparedness to Age in Place. University of Michigan National Poll on Healthy Aging. April 2022.
    **Consult a financial advisor and appropriate government agencies for any effect on taxes or government benefits.
    ***Client must meet their loan obligations, keeping current with property taxes, insurance, and maintenance.

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