I grew up in a household of three generations. I’ve always revered my elders and was grateful for their wisdom and experiences they imparted unto me.

Prior to having my daughters, my way of giving back to my community, was volunteering my comfort and talent as an art docent in senior living settings. Than in the 2008 housing crash, like most, I lost everything, my construction companies, car dealership, along with my marriage. And whatever was left of the wealth we built, the attorneys saw fit to take that and then some.

Faced with insurmountable debt and the threat of losing my triple 2 year daughters, I reinvented myself. I thought the next time around I will be well prepared and knowledgeable, and what better career to choose for myself to stay ahead of the curve, but banking?

In the meantime I had to get a JOB…

Not only was I going to prepare for the next housing correction, but what I went through was not going to be in vain. I share my story, coach and guide others, so what I went through wouldn’t be for naught. As a result, I started studying to become a mortgage broker, and to pay the bills, I worked both day and grave shifts as a personal caregiver and activity director for dementia clients.

I have witnessed and experienced the financial challenges of my care giving clients, whom over the years have become my extended family. So it was important for me to become a solution, and so I also became Certified in Reverse Mortgages.

Since then I have gone onto facilitating my borrowers and their families by

• Financing an eldercare plan
• Age in place
• Pay off liens
• Amicably navigate a win-win Grey Divorce with a Reverse and Reverse for purchase
• Get ahead of the rising cost of inflation on a fixed income
• Augment their investment portfolios
• Endow a much needed living inheritance
• Deferred their Social Security for a greater return

While never having another mortgage payment ever again!

Let’s face it, Equity is not a savings, its lazy money, and the amount available to you is contingent on the Jones’s paying their bills and other market factors.

The only conventional way to gain access to your hard earned equity is to

1-SELL-this option leaves you searching for another home, leaving you with capital gains.

or

2-Do a cash out refinance-this option leaves you at square one and higher monthly payments

I am not only passionate about helping our senior community flourish, but it’s my honor and pleasure to give back to a generation that helped mold me.

Let me help you preserve the dignity and freedom you worked hard for and so deserve….

Julia