As more seniors in Ventura County look for ways to stretch their retirement dollars, reverse mortgages have emerged as a powerful option. If you’re a homeowner age 62 or older in Ventura, Oxnard, Camarillo, Thousand Oaks, or surrounding communities, a reverse mortgage can turn your home equity into flexible, tax-free retirement income — without giving…

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Big things are happening… and they’re looking pretty beautiful for homeowners, buyers, and real estate professionals alike. The recently passed One Big Beautiful Bill Act (OBBBA), signed into law on July 4, 2025, brings with it several major tax updates. While the name might sound flashy, the benefits are very real—especially if you’re buying, selling,…

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There’s a major change in the world of mortgage lending—and it could open doors for millions of homebuyers. The Federal Housing Finance Agency (FHFA) now allows lenders to use VantageScore (not just FICO!) when evaluating borrowers for Fannie Mae and Freddie Mac loans. This shift is a total game-changer for credit accessibility and could significantly impact your buyer pipeline. What…

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In the wake of increased wildfire activity across California, many insurance providers have significantly raised premiums—particularly in higher-risk areas like Bakersfield and surrounding Central Valley regions. For older homeowners on fixed incomes, this spike in property insurance rates has created a harsh financial reality: maintaining their homes has simply become too expensive. This crisis is…

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Allow me to debunk a few more of your common misconceptions about reverse mortgages! Myth #4 Do you think reverse mortgages are only for people who are broke? Well, that is incorrect! The truth is that many savvy homeowners use a reverse mortgage strategically—to boost their cash flow, delay Social Security, or avoid selling investments…

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Allow me to debunk some of the myths you may believe to be true about reverse mortgages! Myth #1 Some may think that getting a reverse mortgage means signing over your home to the bank, right?Well, that’s wrong! The truth is: You stay on the title! The bank does NOT own your home—you do. It’s…

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The Challenge Roger & Mary Faced Roger and Mary had lived in their Santa Barbara home for over 30 years. As they aged, they needed in-home care to maintain their independence, but their fixed income wasn’t enough to cover the costs. They feared they might have to leave their beloved home. How a Reverse Mortgage…

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For years, Mark balanced a demanding job with the increasing needs of his aging parents. What started as occasional visits to help with chores and appointments soon became full-time caregiving. Mark’s weekends were spent managing their medications, driving them to doctors, and maintaining their home. His evenings were filled with phone calls, bill sorting, and…

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The Opportunity Helen Saw Helen’s daughter, a single mother, dreamed of buying her first home in Santa Barbara. However, saving for a down payment while raising a child seemed impossible. Helen wanted to help but wasn’t sure how to access the funds. How a Reverse Mortgage Made the Difference Helen learned that a reverse mortgage…

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The Challenge Betty Faced: Betty, a retired librarian in Santa Barbara, faced unexpected health challenges that left her with significant medical bills. Her fixed income and dwindling savings weren’t enough to cover the costs, and she worried about her ability to continue living independently. How a Reverse Mortgage Helped After consulting her financial advisor, Betty…

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