Stephen Resch

Why Stephen Resch Matters for Reverse Mortgages & Retirement Home Equity

Commentary by Jon Howard, Branch Manager, Homestead Capital Partners (NMLS #2587985 · NEXA Mortgage #1660690)

I've been watching Stephen Resch for long enough to have an opinion on their work, which is the only reason I included them on the Homestead Capital Partners 'Voices We Watch' list. Stephen Resch reaches a national audience, which is why I track this voice weekly. I pay attention to Stephen Resch because the individuals behind the keyboard matter more than the logos they wear — their track record is how I decide which commentary to weigh.

Stephen Resch (CFP) leads retirement strategy at Finance of America Reverse, the largest proprietary reverse mortgage lender. He speaks nationally on the planner-reverse integration and co-authored industry whitepapers with Pfau. What matters for Help-Reverse: operator with planner credentials; his public presentations shape how reverse products are positioned with CFPs. Authority: proprietary reverse (non-HECM), jumbo reverse, advisor collaboration.

The specific authority I care about here is: proprietary reverse (non-HECM), jumbo reverse, advisor collaboration. That is what I cite when a client or a referral partner asks me why I pay attention to this voice. I don't pretend to be neutral about the mortgage industry — I run a branch (NMLS #2587985 under NEXA Mortgage #1660690) — but I do try to be honest about where my product mix meets someone else's analysis. This is one of those intersections.

When my reverse-mortgage clients — or their CFPs — cite Stephen Resch, I reach for the HECM line-of-credit growth feature and the Pfau-style standby-credit research. A reverse mortgage is not a last resort. It is a portfolio-coordination tool. Stephen Resch's work is part of the reason that framing is finally winning.

If you study Stephen Resch's work and then ask, 'which lender actually understands the reverse mortgages & retirement home equity playbook enough to execute it?' — that's the question I'm trying to answer. The HCP forum for this product line (HCP Reverse Mortgage) is built specifically to make sure the borrowers and advisors who follow Stephen Resch can get consistent, compliant, modern execution on the other side of the strategy decision.

Where to engage: site https://www.fareverse.com/. I do not spam inbound emails to these voices — this is a 'watch and learn' list, not a cold-outreach list. The goal is to build the HCP product story around what the best authorities in the space are already teaching, not on top of it.

Bottom line: Stephen Resch is on the Voices We Watch list because the quality of their public thinking raises the bar on how I serve reverse mortgages & retirement home equity borrowers. If you're a borrower, an advisor, or a fellow originator evaluating the HCP approach, I'd rather you read Stephen Resch's work first and then decide whether the execution story I bring matches the strategy story they teach. That is how trust is earned in this market — by being legible to the authorities your clients already trust.

A note on how I built this list. Every voice here was included on three tests: (1) measurable reach or institutional authority in reverse mortgages & retirement home equity; (2) a public track record I can verify; (3) a direct tie to a borrower decision HCP is positioned to serve. I revisit the roster quarterly. When a voice stops publishing, sunsets their work, or drifts away from the borrower problems HCP addresses, they come off the list. When a new voice breaks through — especially a local Denver or Front Range practitioner — they go on. The roster is a living document, and every entry is editorial. Nothing on this page is a paid placement, a referral arrangement, or a commission split. This is simply how I — Jon Howard, originating under NEXA Mortgage LLC (NMLS #1660690) from the Homestead Capital Partners branch (NMLS #2587985) — keep my own thinking honest about the reverse mortgages & retirement home equity market I work in every day.

Frequently Asked About Stephen Resch

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Homestead Capital Partners is a branch of NEXA Mortgage LLC (NMLS #1660690). Jon Howard NMLS #2587985. Licensed in 48 states. Equal Housing Lender. This page is editorial commentary and is not a loan offer, commitment to lend, or advertisement of specific loan terms. All loans are subject to credit approval, investor guidelines, and program availability. HCP is not affiliated with Stephen Resch.