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Regional Manager of Reverse Mortgage Production, usa mORTGAGE
susan pomfret
2024
7.4%
62
THE YEAR MORE AMERICANS WILL REACH THE TRADITIONAL RETIREMENT AGE OF 65 IN THE SAME YEAR THAN AT ANY TIME IN HISTORY.
AVERAGE 401(K) CONTRIBUTION
AVERAGE RETIREMENT AGE
Empowering retirees to live a financially stress-free retirement!
The U.S. population is older today than ever before, with people over 65 outnumbering children for the first time in history. Every day, around 12,000 individuals reach their 65th birthday! This shift represents a significant opportunity for mortgage professionals, as the housing wealth of homeowners aged 62 and older surged by an astonishing $328.5 billion in just the first quarter of 2024. Their collective home equity now stands at an impressive $13.19 trillion, according to the NRMLA/RiskSpan Reverse Mortgage Market Index. This bring us to the Home Equity Conversion Mortgage (HECM). If you’re unfamiliar with a HECM or unsure why it might be relevant to you, keep reading, because it could transform your life. WHAT THE HECK IS A HECM? A HECM is insured by FHA, available to eligible homeowners aged 62 and older. It allows seniors to tap into a portion of their home equity, converting that into usable proceeds without the need to sell the home.
These proceeds can be disbursed in several flexible ways: A lump-sum initial draw at closing Monthly payments to the borrower A line of credit that can be accessed as needed Or a combination of these options Unlike traditional home loans, a HECM doesn’t require monthly mortgage payments. Borrowers remain responsible for property taxes, homeowner’s insurance, and maintenance, but the elimination of the monthly mortgage payment can significantly alleviate financial pressure. The HECM is particularly versatile, as borrowers can adjust their payment plan at any time to suit changing circumstances, although a $20 fee is charged by the servicer for each change. And with a Maximum Claim Amount (i.e., home value cap) of $1,149,825 for 2024, it’s a robust option for many senior homeowners. WHY IS THIS IMPORTANT? One of the top financial regrets for older Americans, according to researchers Hurwitz and Mitchell, is not saving enough for retirement. For seniors on a fixed income, unexpected expenses—such as medical bills, home repairs, or the loss of a spouse—can be overwhelming. The struggle to make ends meet can lead to hard decisions about cutting back on essential needs or spending savings they hoped to preserve. This is where the HECM becomes a lifeline. It’s not just about tapping into home equity; it’s about providing financial security, peace of mind, and enabling seniors to live the retirement they deserve in the home they love. WHAT ARE THE BENEFITS? The benefits of a HECM extend far beyond immediate financial relief. Here’s how this powerful tool can transform your clients’ lives: Stay in their home – Seniors can remain in the home they love without the burden of monthly mortgage payments. Eliminate their current monthly mortgage payment – They still need to cover property taxes, homeowners' insurance, and maintenance costs, but eliminating the monthly mortgage payment can provide enormous relief. Access home equity – Homeowners can finally make their hard-earned equity work for them, using it as a valuable resource during retirement. Easier qualification – There’s no FICO score or debt-to-income ratio required for qualifying, which may make it more accessible than traditional mortgage products. HECM for Purchase – Seniors can use a HECM to buy a new primary residence, contributing only a portion of the purchase price and freeing up savings for other needs. As you can tell, I’m incredibly passionate about helping seniors through HECMs and Reverse Mortgages. These products are powerful tools that allow seniors to enjoy their golden years with financial stability and peace of mind.
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HECM vs. reverse mortgage
I am Susan Pomfret, RICP® and I have been in the Home Equity Conversion Mortgage (HECM) and Reverse Mortgage industry since 1989, having been one of the first to originate a HECM under the FHA Pilot Program. I am very passionate about these products because I have seen the tremendous help they provide retirees. More importantly my passion lies with those that I serve. I have been a senior citizen advocate for over 30 years. A HECM is available to those 62+ and is insured by the Federal Housing Administration (FHA). There are flexible payment plan options that the borrower can receive: Money at closing Monthly payment Line of Credit or A combination of these A Portfolio Reverse Mortgage is available to those 55+ (in some states) and in the case of Jumbo Reverse Mortgages, can offer loan amounts up to $4 million. Both products allow a borrower to tap into a portion of the equity in their home and the loan does not have to be repaid until all borrowers are no longer occupying the home as their primary residence, the home is sold or both borrowers pass away. If you have questions, I have answers! Get in touch with me today to find out more!
Mortgage Solutions for Seniors
what the heck is a hecm?
susan pomfret, RICP®
401.595.7300
spomfret@usamortgage.com
3 Allied Drive, Suite 303, Dedham MA 02026 NMLS: 1253876 | Co. NMLS: 227262
Not an offer to lend. Subject to credit approval and additional terms apply. DAS Acquisition Company, LLC dba USA Mortgage NMLS #227262. MA Mortgage Lender License #ML227262. Headquarters: 12140 Woodcrest Executive Drive, Suite 150, St. Louis, Missouri 63141, Toll Free: (888) 250-6522. For licensing information, go to: www.nmlsconsumeraccess.org. Interest rates and products are subject to change without notice and may or may not be available at the time of commitment or lock-in. DAS Acquisition Company, LLC is not affiliated with or endorsed by any government entity or agency, including USDA, HUD or VA.
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