REVERSE MORTGAGE SPECIALIST | COLORADO
Your Home Has Been Taking Care of You.
Now Let It Take Care of Your Future.
You have spent decades building equity. A reverse mortgage lets you access it — tax-free, with no monthly mortgage payments — while you stay in the home you love.
NMLS #2587985 | NEXA Lending LLC | Licensed CO | Equal Housing Lender
The Silent Burden You Carry Every Month
You worked hard your entire life. You paid into Social Security. You saved what you could. But now, every month, you watch your savings shrink — eaten by property taxes, insurance, medical bills, and a mortgage payment that never seems to end. You deserve better. You deserve to enjoy your home without the weight of financial worry pressing down on you every single day.
WHO REVERSE MORTGAGES HELP
Do You See Yourself Here?
Thousands of homeowners 62 and older face these exact situations. You are not alone.
Fixed Income Squeeze
Social Security and retirement funds are not keeping pace with inflation. Every month, the gap between what comes in and what goes out grows wider. Groceries cost more. Prescriptions cost more. But your income stays the same.
Health Changes
An unexpected diagnosis. A surgery. Ongoing treatment. Medical costs can devastate retirement savings in months. You should not have to choose between your health and keeping your home.
Loss of a Spouse
When you lose a partner, you lose more than companionship — you lose their income, their pension, their Social Security. The mortgage does not care about your grief. The bills keep coming.
Aging in Place
You want to stay in your home — the home where your children grew up, where your memories live. But you need modifications: grab bars, a walk-in shower, a first-floor bedroom. These cost money you do not have.
Facing Foreclosure
You have fallen behind on payments. The notices are piling up. You feel ashamed, scared, and helpless. A reverse mortgage can pay off your existing mortgage and stop foreclosure — giving you breathing room.
House-Rich, Cash-Poor
Your home is worth $400,000 or more. But you cannot eat equity. You cannot pay for prescriptions with square footage. A reverse mortgage converts what you have built into the cash flow you need — without selling.
Why Traditional Solutions Fail Seniors
Banks Will Not Lend to You
Traditional lenders require employment income. When you are retired, living on Social Security and pensions, banks see you as a risk — not a person who spent 40 years building a life.
Downsizing Means Losing Everything
Selling your home means leaving your neighborhood, your church, your doctors, your friends. It means packing 30 years of memories into boxes. And in today's market, what you buy next may not be any cheaper.
Asking Family Creates Guilt
Your children have their own mortgages, their own families, their own financial pressures. Asking them for help feels like a burden. You raised them to be independent — and now you feel like you are taking that away.
Government Programs Have Endless Waitlists
Medicare does not cover everything. Medicaid has asset limits. Property tax relief programs take months. You need help now — not in six months, not next year. Now.
THE SOLUTION
A Reverse Mortgage Gives You Back Control
No Monthly Mortgage Payments
Eliminate your largest monthly expense. The loan is repaid only when you sell, move out, or pass away — not before.
Tax-Free Cash Access
Reverse mortgage proceeds are not considered income. You receive tax-free funds — lump sum, monthly payments, line of credit, or any combination.
Stay in Your Home
As long as you live in the home as your primary residence and maintain taxes and insurance, nobody can ask you to leave. This is YOUR home.
Growing Line of Credit
The unused portion of your line of credit grows over time — giving you access to more funds in the future, when you may need them most.
A PERSONAL MESSAGE
TO: Homeowners 62+ Seeking Financial Peace of Mind
FROM: Jon Howard | Mortgage Loan Originator, Homestead Capital Partners
SUBJECT: You have earned the right to enjoy your home without financial worry.
Dear Friend,
I am writing to you because I understand what you are going through. I have sat across the table from hundreds of homeowners just like you — people who worked hard their entire lives, who raised families, who built something real. And now, in what should be the most peaceful years of your life, you are worried about money.
Maybe it is the mortgage payment that never seems to end. Maybe it is the medical bills that keep piling up. Maybe you lost your spouse and half your income disappeared overnight. Whatever brought you here, I want you to know: there is a solution, and it is already under your roof.
Your home equity is not just a number on paper. It is decades of payments, improvements, and memories. A reverse mortgage allows you to access that equity — tax-free — without selling your home and without making monthly mortgage payments. You stay in your home. You keep your independence. And you get the financial breathing room you deserve.
Why Work With Homestead Capital Partners?
As part of NEXA Lending LLC, we have access to a network of over 280 lending partners. I am not going to push one product on you — I am going to find the program that fits YOUR situation. Whether that is a lump sum to pay off your existing mortgage, a monthly income stream to supplement Social Security, or a growing line of credit for future needs, we will build a strategy together.
My NMLS number is 2587985. I am licensed in Colorado. And I take my responsibility to you seriously — this is not just a transaction. This is your financial future, your home, your family's legacy.
The First Step Is Simple
Fill out the short form below. No commitment, no pressure, no credit impact. I will personally review your situation and call you to discuss whether a reverse mortgage makes sense for your goals. If it does, we will walk through every step together. If it does not, I will tell you that too — honestly.
You have earned this. Let me help you access it.
Sincerely,
Jon Howard
Mortgage Loan Originator
NMLS #2587985
Homestead Capital Partners | NEXA Lending LLC
Your Path to Financial Freedom
Free Consultation
Fill out the form below. Jon will personally call to discuss your situation. No pressure, no obligation.
HUD Counseling
Required by law to protect you. A HUD-approved counselor explains your options independently — at no cost.
Personalized Analysis
We review your home value, existing mortgage, and goals to find the right HECM program and payout option.
Financial Freedom
Close your reverse mortgage and start receiving funds. No monthly payments. Your home. Your peace of mind.
Common Questions
We believe you deserve clear, honest answers — not jargon. Here are the questions we hear most often.
See If You QualifyNo. You retain full ownership and title to your home. The lender has a lien, just like a regular mortgage. You can sell at any time, and your heirs inherit the home (they can pay off the loan or sell).
HECM reverse mortgages are federally insured (FHA). You or your heirs will never owe more than the home's value at the time of sale. This is called the "non-recourse" feature — it protects you and your family.
Yes. You must continue to pay property taxes, homeowner's insurance, and maintain the property. These are conditions of the loan. Some borrowers use a portion of their reverse mortgage proceeds to cover these costs.
HUD counseling is a session with an independent, HUD-approved counselor who explains how reverse mortgages work, the costs, and your alternatives. It is required by federal law to protect consumers. It is typically free or very low cost.
The amount depends on your age, home value, current interest rates, and existing mortgage balance. Generally, older borrowers with higher home values and lower existing mortgages receive more. We will provide a personalized estimate during your consultation.
Your heirs have options: they can repay the loan and keep the home, sell the home and keep any remaining equity, or walk away with no obligation. The FHA insurance guarantees they will never owe more than the home is worth.
No. HECM reverse mortgages are regulated by the federal government (FHA/HUD). The mandatory counseling, non-recourse protection, and federal insurance are all designed to protect you. We are licensed professionals (NMLS #2587985) operating under strict regulatory oversight.
STEP 1 OF YOUR JOURNEY
See If You Qualify
in 2 Minutes
This quick form starts your pre-qualification process. Jon Howard will personally review your information and contact you within 24 hours to discuss your options.
No credit impact — soft inquiry only
Personal callback within 24 hours
256-bit encrypted, never shared
Zero obligation, zero pressure
Jon Howard | NMLS #2587985 | NEXA Lending LLC NMLS #1660690
Licensed CO | Equal Housing Lender
Important Disclosures: Borrowers must be 62 years of age or older. HUD-approved counseling is required before closing. A reverse mortgage is not a government benefit. The loan becomes due and payable when the last surviving borrower no longer occupies the home as their primary residence, sells the property, or fails to meet the obligations of the mortgage including maintaining the home, paying property taxes, and homeowner's insurance. Loan proceeds may affect eligibility for certain government benefits. Consult a financial advisor and HUD-approved counselor before making a decision.
Homestead Capital Partners | NMLS #2587985 | NEXA Lending LLC NMLS #1660690 | Licensed CO | Equal Housing Lender