When choosing a name for their company, Founders Doug Nolte and Mary Kardous thought Retirement Freedom is what every senior dreams of. Retirement Freedom Group was founded on the premise that every senior deserves to be worry-free in their golden years. Our name says it all. Retiring should be about asking yourself questions such as where should we take our next trip or what kind of hobby should we pursue, and not have to worry about medical bills, mortgage payments, etc..

Retirement Freedoms Groups principle loan consultants have more than 35 years experience in all aspects of mortgage lending. We have put together a staff of dedicated advisors to make the learning process easy and convenient.

We are proud of our personal touch and dedicated to providing lower cost solutions to our clients.

Our experience, integrity, and price have earned us a reputation as the most respected reverse Mortgage Consultants in California.

Retirement Freedom Group is here to help. Our highest priority is earning referrals. Rest assured, we will not let you down. Please contact us now to discuss your questions and concerns.

Thank You the opportunity to earn your business and your trust.

Retirement Freedom Group


100 South Ola Vista, Suite D
San Clemente, California  92672


Toll Free: (800)-870-1876

Fax: 949-429-8205
 

Email: mkardous@cox.net

 

 

   What is a reverse mortgage?

It  has been called the most popular cash raising tool for senior home owners...

A reverse mortgage is a loan against the equity in the home that provides tax-free cash advances, but requires no payments during the term of the loan. Since there are no monthly payments during the life of the loan, the balance grows larger and the equity gets smaller.

 

Reverse Annuity

  • NO monthly payments for as long as you occupy your home

  • NO taxes are paid on the cash

  • NO pre-payment penalty

  • You still own your home

  • Use the money for whatever you wish, travel, payoff debt, medical care

  • Social Security and Medicare benefits are NOT affected

  • After your estate pays the lender ALL remaining equity is paid to your heirs

 

  • All borrowers must be 62 and older and own their own home

  • Occupy the home as your principal residence

  • Home should be paid in full, or have a mortgage that can be paid from equity

 

Reverse Mortgage Calculator

 

 Reverse Annuity

  • Federal National Mortgage Association (FannieMae) buys virtually all Reverse Mortgages

  • Federal Housing Administration (FHA) insures the Home Equity Conversion Mortgage (HECM)

 

 

Copyright 2007 Retirement Freedom Group Inc.