LET’S CONNECTStart with
Start with
what matters.
Tell Joe about your goals, your home and the retirement you are planning for.
Request your consultation
SACRAMENTO & ROSEVILLE REVERSE MORTGAGESMore life.
More life.
More possibility.
Right at home.
Your home has been part of your story.
Explore how its equity could support your next chapter.
Education first Family welcome
YOUR HOME. YOUR GOALS. YOUR CHOICE.Explore what’s possible
A HOME IS MORE THAN AN ASSET.Keep the memories.
Keep the memories.
Explore the possibilities.
A reverse mortgage is a significant decision. Start with clear facts, understand the obligations, and explore your options with a local professional.
01
02
UNDERSTAND YOUR OPTIONSHome equity.
Home equity.
Real possibilities.
Get a clear explanation of how a reverse mortgage works and what it means for you.
Explore reverse mortgage guidance02A PLAN FOR YOUR NEXT CHAPTERYour goals.
03Your goals.
Your personal review.
Discuss costs, payment options and alternatives around your needs.
Explore a personal reviewEVERYONE AT THE TABLEBring your family.
Bring your family.
Find your clarity.
Understand the responsibilities and next steps together before deciding.
Explore family supportYOUR EQUITY, EXPLAINEDWhat could your home
What could your home
make possible?
A few numbers. A clearer starting point.
Adjust the inputs and see an illustrative estimate.
ILLUSTRATIVE NET PROCEEDS
Estimated available proceeds$136,000After modeled payoff & fees
- Approx. principal limit
- $260,000
- Mortgage payoff
- − $100,000
- Estimated financed fees
- − $24,000
How this estimate is calculated
Educational approximation, not a loan quote, approval or immediately drawable cash. Uses interpolated HUD factor anchors for ages 65–85 and expected rates 5.5–8.5%, the 2026 HECM cap of $1,249,125, and estimated financed costs. Set-asides and first-year draw restrictions are excluded. For other ages or rates, request a personal calculation.
HUD factors · Exhibit I-12026 HECM capYOUR NEXT CHAPTER, STEP BY STEPLess uncertainty.
Less uncertainty.
More understanding.
Move through the essentials at your own pace. Your questions lead the way.
Start a ConversationEXPLORE THE WHOLE PICTUREUnderstand the numbers.
Understand the numbers.
Know the responsibilities.
Review costs, obligations and alternatives. Use the calculator as a starting point for your questions.
Explore the calculatorDECIDE WITH CONFIDENCEBring your family.
Bring your family.
Move at your pace.
Include those closest to you. Discuss independent counseling and next steps when you are ready.
Understand the next steps
YOUR LOCAL PROFESSIONALJoe NemecNMLS #1459160 · CA BRE #01258603
LOCAL ROOTS. PERSONAL GUIDANCE.Meet the person.
Meet the person.
Then talk numbers.
Joe puts education at the heart of the process. He works one on one with you to explain your financing options, answer your questions, and help you make an informed decision.
Clear explanations Family welcome Direct access to Joe
GOOD QUESTIONS. CLEAR ANSWERS.A little clarity.
A little clarity.
A better starting point.
Start with the essentials. Joe can explain how they apply to you.
Explore all FAQsDo I still own my home?
Yes. You retain title, subject to the mortgage lien. You must occupy the home as your principal residence, pay property taxes and insurance, and maintain it. Failure to meet obligations may lead to foreclosure.
Who can qualify for a reverse mortgage?
HECM borrowers must be at least 62. Eligibility also depends on the property, mortgage debt, financial assessment and other program requirements. Independent HUD-approved counseling is required.
Are monthly mortgage payments required?
HECMs generally do not require monthly principal and interest payments. You remain responsible for taxes, insurance, maintenance and applicable property charges.
When must the loan be repaid?
The loan generally becomes due when the home is sold, is no longer the borrower’s principal residence, or the last borrower dies, subject to eligible non-borrowing spouse protections. Failure to meet obligations may also make it due.
No matches. Try “home”, “payments” or contact Joe.
YOUR HOME. YOUR FUTURE. YOUR DECISION.A good next step
A good next step
starts with a conversation.
Talk through your questions with Joe. Explore what fits your life.