The Millstone Times May 2020

FAMILY MATTERS

Barlow & Zimmer FUNERAL HOME

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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. 202 Stockton Street • Hightstown, NJ 08520 (609) 448-3456 • www.barlowzimmer.com RICHARD J. ZIMMER • MANAGER- NJ LICENSE # 23JP00458900 J. BRENT BARLOW • DIRECTOR- NJ LICENSE # 23 JP 00282600 • Family Owned and Operated • Traditional and Cremation Services Serving All Faiths • Assistance with Pre-Need Arrangements • Member of the NJ Pre-paid Funeral Trust Fund

The truth about Reverse Mortgages 500 Route 33 West • Millstone, NJ

“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)

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