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Dan Casagrande
Santa Cruz, Scotts Valley, San Jose, Los Gatos, Aptos, Monterey, Carmel, Salinas, Morgan Hill
 
831-423-2900
Santa Cruz, Scotts Valley, San Jose, Los Gatos, Aptos, Monterey, Carmel, Salinas, Morgan Hill
 
831-423-2900

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4 Reverse Mortgage Myths and the Truth Behind Them

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Reverse mortgages can be a useful way to leverage your home equity to boost your income during your retirement. Unfortunately, there are several myths that have circulated about reverse mortgages, and as a savvy consumer, it's important to understand the truth behind those myths. Here's a look at four myths you may have heard and an explanation of the truth behind them.

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Are You Ever Too Old For A Reverse Mortgage?

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While many may prefer to leave milestone birthdays behind after age 21, these birthdays can come with tangible financial benefits during your later years, such as becoming eligible for early Social Security benefits at 62, qualifying for Medicare at 65, and reaching full retirement age at 67.

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Is a Reverse Mortgage a Good Way to Purchase Your Retirement Home?

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If you're like many new retirees, you may be eager to downsize from the home in which you raised your family and move to a smaller place that requires less upkeep. Purchasing your retirement home can be an exciting process, especially if you have enough equity in your current home to afford to live in a community with more amenities than your current neighborhood. However, the prospect of taking out a mortgage in retirement may give you pause, especially if you're not sure how long your current home will sit on the market after you purchase your next one.

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Unexpectedly Raising Your Grandchildren? Can a Reverse Mortgage Help You Shore Up Your Finances?

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If you've recently been given the responsibility of raising your minor grandchild or grandchildren, you may be scrambling as you wonder how to shift your plans for retirement into plans to raise a family again. Even with the benefit of child-support payments (which many custodial grandparents don't regularly receive), caring for your grandchild through the age of majority can be a tough prospect—especially if you weren't sure you'd even be able to afford to retire within the next few years. Read on to learn more about how a reverse mortgage may be able to free up the cash flow you need to provide the necessities (plus extras) for your newest family member.

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The Importance of Retirement Planning

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It is never too late to begin planning for your retirement years. While flipping through the yacht catalog and envisioning sightseeing trips can certainly be part of this process, you will also want to spend some time preparing your finances. Ensuring an adequate income after you stop working is a matter of setting goals and then formulating a plan that will allow you to enjoy the lifestyle you have chosen.

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Five Reasons to Consider Getting a Reverse Mortgage

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A reverse mortgage can be an effective way to get cash when you need additional funds for daily living expenses or for travel. These loans may not be right for everyone in Santa Cruz, but for many people 62 and older, access to home equity may be a sound financial resource. Take a look at five reasons to include reverse mortgage loans in your retirement planning.

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