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These workshops are for you! Understand reverse mortgages in a casual classroom setting.

It takes money to maintain a long, comfortable and financially secure retirement. But you don't need to count your penny's and sacrifice the lifestyle you want. The solution is right under your roof! I hope you attend one of my reverse mortgage workshops, and invite your friends to attend. You will learn how the program works, understand the misconceptions and go away with facts about reverse mortgages. With a good understanding, you can make good decisions.

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Reverse mortgage interest rates options are:

The new annually adjusting LIBOR is now available in all states. Enjoy the current low variable interest rates, only a 5 point lifetime cap above the start rate and the rate cannot increase more than 2 points annually. This option is very popular as a line of credit or monthly payment option is available and borrower’s have access to full principal limit on the second year. 

The fixed rate option offers an interest rate that does not change over the life of the loan. The expected interest rate has a direct impact on the amount available to the borrower. Contact Maggie for current rates.

              Happy Reverse Mortgage Lady Let me explain how the amount available to the reverse mortgage borrower is calculated.  There are three factors involved in the reverse mortgage calculation:  1) Age of youngest borrower 2) home value or maximum claim amount and 3) expected interest rate.  The expected rate is tied to the 10-Year
LIBOR index and is used for calculation purposes as an indication of what rates are expected to be over a longer period of time.  The accrual rate uses the 1-Month LIBOR index or 1-Year LIBOR index depending upon the option selected. The index is added to your margin and determines the interest rate charged on the outstanding reverse mortgage loan balance.  But the expected rate determines how much you will receive from the reverse mortgage or HECM.

Read the customer reviews in the sidebar to find out what her clients have to say about their experience working with Maggie O’Connell. Seniors can rest assured they have made the right choice for their Reverse Mortgage Originator.