The Millstone Times April 2020

FAMILY MATTERS

whY choose A cAthoLic ceMeterY? A Catholic cemetery is a holy and sacred place. It is a place of prayer and hope that is both a consolation to the bereaved and an inspiration to the living…a place where those who have worshipped and prayed together in life now await the resurrection.

A gift of Love Protect your family frommaking difficult and emotional decisions without you. Proclaim your acceptance of God’s love and your compassion for your family by making your decisions today and together. PrActice resPonsibLe stewArdshiP —MAnAge Your finAnces Protect your family from an unexpected financial burden by pre-planning and selecting a payment plan with terms that fit your budget. how do i Pre-PLAn? A Catholic Cemetery Memorial Counselor will explain and guide you through the pre-planning process. They are someone you can trust and who will explain the options that are available for you. You will not be pressured into making any unnecessary purchases.

for inforMAtion about the purchase of crypts, niches and plots at the METUCHENDIOCESAN-OWNEDAND OPERATEDCEMETERIES cALL 1.800.943.8400 or visit www.dioMetuchen.org/ ceMeteries

MArY sorrowfuL Mother MAusoLeuM At hoLY cross • Magnificent Main Chapel

• Private Chapel Areas Available • Crypt & Niche spaces available • Featured Glass Niches creMAtorY At hoLY cross 840 Cranbury South River Rd Jamesburg, NJ08831

resurrection ceMeterY feAturing MAusoLeuM of the hoLY sPirit Hoes Lane and Park Ave, Piscataway, NJ 08854 • Premier glass niches available for cremated remains • pre construction pricing available

The truth about Reverse Mortgages

CONFUSED ABOUT WHETHER A REVERSE MORTGAGE IS RIGHT FOR YOU? A reverse mortgage has helped hundreds of thousand of senior homeowners enhance their financial situation. The reverse mortgage can often times be a confusing and complex transaction. I have 29 years of experience exclusively in the reverse mortgage industry and pride myself on educating senior homeowners in every aspect of the reverse mortgage so they can make the right decision. I will gladly meet you, and your trusted advisor, in the convenience of your home to discuss how you may benefit from the reverse mortgage.

“Someone told me that with a reverse mortgage, the bank takes your home.” Sound familiar? Over the years, there have been several miscon- ceptions about reverse mortgages – one of the most common being that with a reverse mortgage, the bank takes over ownership of your home. However, this is, in fact, just a misconception. The reality is that lend- ers are not in the business of owning homes. They simply add a mortgage onto the title so that the lender can guarantee that the money will even- tually get paid back – either when the loan is paid off or when the last borrower no longer lives in the home. So what does this mean in terms of homeownership? You, as the home- owner, keep the title to the home in your name. It’s just a mortgage. So, isn’t it time you look into what a reverse mortgage actually is? Available to homeowners age 62 and older, a reverse mortgage enables you to access a portion of the equity in your home to use as you wish. The best part? There are no monthly mortgage payments required*. It’s true: If there’s a mortgage on your home, the money from the reverse mort- gage is first used to pay off that loan—and since no monthly mortgage payments are required, you can eliminate that monthly expense and keep more cash to use as you see fit. Get the facts. Schedule a face to face meeting with Longbridge Fi- nancial’s Senior Reverse Mortgage Specialist, Ken Sawan NMLS #1098567 today by calling (330) 515-0413. *Borrower must continue to pay property taxes, insurance, and maintenance.

KEN SAWAN Senior Reverse Mortgage Specialist One International Blvd., Suite 900

Mahwah, NJ 07495 Cell: 330-515-0413 Office: 201-642-4024 NMLS #: 1098456

Longbridge Financial, LLC, is a licensed mortgage lender NMLS #957935 (www.nmlsconsumeraccess.org)

44 The Millstone Times

April 2020