I am married and have have two children who are now in their early twenties who I adore. I have a brand new grandson born in August, which I was honored to be there to welcome him into the world! ... also have a white kitty and 4 dogs who bring me much joy.A siberian husky, a pee a poo and 2 shitzu... years ago I got out of retail management and got into a field because of my sister and that I thought would be boring, but soon discovered how wrong. The opportunity to work with people and teach them the way to use the HUD/FHA program under The National Housing Act has been the most rewarding job besides being a Mom , I have ever had. I have met great people who have entrusted me with educating them on a program that utilizes their most valuable asset ~their home and turn it into a retirement tool that many had no knowledge of and have given the realization of the security the program could afford them.. I hope the program stays in place ...as every other "bank " program disolved with the housing crash. I hope many people put their fears to the side and at least get educated on the program. Many folks still have the misconception that the program is for the poor or that they lose their home in exchange- neither could be further from the truth. If anything it can help folks "capture" some of their equity to avoid "losing" it the market with little chance of recovery... I now have more people looking into the program that have no mortgage at all. I encourage every one , if they do not want the help of a licensed loan officer like myself- they look into the program independently. Finally, I want to address something I see in almost every ad that is about The Home Equity Conversion Mortgage (HECM) the government Reverse Mortgage Program that has been out since 1987.. they make a suggestion that while it might be nice to get tax free money from the program that you never have to pay back in your life time, ...you still have to pay taxes and insurance and maintain your home.... Well. of course you do! It is your home and remains that way. You would be doing all that even if you had NO mortgage.... This program is designed to help you stay in your home and have the homeowner who has worked hard all of his/her life be able to take advantage of some of the equity without having to sell the home....or create another payment. Therefore , the HOMEOWNER can decide what is best for them:-) It is regulated by HUD, insured by the FHA and is tax free..and the only 4 in 1 loan that the homeowner controls- It is a refinance home equity, modification and has a reverse option. Homeowners can use and choose type of loan that best suits them as time goes by and not pay any more...in fact- the line of credit has tax free growth..and protects a portion of remaining equity that no one or market can take away! Learn today to protect tomorrow..