Navigating major decisions concerning your most significant investment—the place you call home—can be daunting. When considering a reverse mortgage loan, education and expert guidance are paramount. Tim Kealy is dedicated to equipping you with the knowledge needed to make informed decisions tailored to your unique circumstances.

A reverse mortgage loan empowers homeowners aged 62 and older to access the equity in their homes through various payout options or a flexible line of credit. What sets this loan apart is its deferred repayment structure, triggered only when the homeowner(s) no longer reside in the home, upon the passing of the last surviving borrower, or non-compliance with loan obligations. Tim Kealy ensures clarity on responsibilities such as property tax payments, insurance coverage, and property upkeep aligned with FHA guidelines where applicable, as part of the Home Equity Conversion Mortgage (HECM) program.