tag:blogger.com,1999:blog-15222231020891183562024-03-13T20:20:01.528-04:00Cincinnati Reverse MortgageThis site was created to educate people in Ohio, Indiana, and Kentucky about the different options available with reverse mortgages today.Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.comBlogger39125tag:blogger.com,1999:blog-1522223102089118356.post-24838244528157936062016-08-02T12:05:00.003-04:002016-08-02T12:05:55.632-04:006 Easy Pros To Getting a Reverse Mortgage<div class="MsoNormal" style="background: white; line-height: 18.9pt; margin-left: -7.5pt; margin-top: 7.5pt; mso-list: l0 level1 lfo1; mso-margin-bottom-alt: auto; tab-stops: list .5in; text-indent: -.25in;">
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<li><span style="font-family: Verdana, sans-serif;">Closing costs and ongoing fees,
such as the Federal Housing Administration (FHA) Mortgage Insurance Premium
(MIP), can be financed with the reverse mortgage loan — so out-of-pocket
expenses can be minimal.</span><span style="font-family: Verdana, sans-serif;"> </span></li>
<li><span style="font-family: Verdana, sans-serif;">You can choose to take your funds
as a lump sum; line of credit that you can tap as needed; a steady stream of
monthly advances for a set period of time, or as long as you live in the home;
or a combination of these options.</span></li>
<li><span style="font-family: Verdana, sans-serif;">After the loan is repaid, any
remaining equity belongs to you or your heirs.</span><span style="font-family: Verdana, sans-serif;"> </span></li>
<li><span style="font-family: Verdana, sans-serif;">A reverse mortgage loan is a
non-recourse loan. This means that neither your nor your heirs are personally
liable for any amount of the mortgage that exceeds the value of your home.</span><span style="font-family: Verdana, sans-serif;"> </span></li>
<li><span style="font-family: Verdana, sans-serif;">You continue to live in your home
and retain title to it.</span></li>
<li><span style="background-color: white; font-family: Verdana, sans-serif; line-height: 18.9pt; text-indent: -0.25in;">A reverse
mortgage loan is a non-recourse loan. This means that neither your nor your
heirs are personally liable for any amount of the mortgage that exceeds the
value of your home.</span></li>
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com2tag:blogger.com,1999:blog-1522223102089118356.post-10134783607854464392016-07-14T10:06:00.003-04:002016-07-14T10:06:45.394-04:00Add A Retirement Tool to your Tool belt<div class="MsoNormal">
<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">A Reverse Mortgage
gives you the opportunity to convert your home equity into cash. In the most
basic terms the reverse mortgage allows you to take out a loan against the
equity in your home, but you don't have to repay the loan during your lifetime
as long as you are living in the home and have not sold it. If you like most
people want to increase your retirement funds without loan payments a reverse
is your go to. <o:p></o:p></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"><b>What’s the catch? How does it work?</b><o:p></o:p></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">With a reverse mortgage, a lender of your choosing makes
payments to you based on a percentage of the value in your home. When you
choose to move out, the lender will sell your home in order to gain back the
money that was loaned out to you. The lender does have the right to request
back their funds if you do not maintain your property, fail to keep your
property insured, declare bankruptcy, and abandon the property. <o:p></o:p></span></div>
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<b><span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">Let’s Now talk about HECM</span></b></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;"> HECM is federally-insured
home equity conversion mortgage. These are provided by the U.S. Department of
housing and Urban Development (HUD). HECM’s limit the costs to borrowers and guarantee
the lenders meet the obligations. With this being the most commonly used one
there is one big drawback. Private lenders you have more flexibility with loan
amounts, under HECM you are limited on the loan amount.</span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">There are pros and cons to both private lenders and HECM.
Like we have advised before, really do your research and pick what best suites
you. We do think that a Reverse Mortgage is something great for people 62 and
over to utilize. <o:p></o:p></span></div>
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<span style="font-family: Helvetica Neue, Arial, Helvetica, sans-serif;">The more tools in your tool belt the better you can build
the rest of your life. <o:p></o:p></span></div>
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-27564160239842254472016-06-28T13:50:00.000-04:002016-06-28T13:50:29.279-04:00"Home rich, cash poor"<span style="font-family: Verdana, sans-serif;">Retirement is becoming a very difficult tedious process. You hit many roadblocks throughout your life trying to maintain security when you retire, but we have a solution that could help you out. The "home rich, cash poor" idea will help those out who have funds in their home equity with a reverse mortgage. </span><br />
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<span style="font-family: Verdana, sans-serif;">If you (like many others) have more than half of their net-worth in your home you need to leverage your home equity to help with your other expenses. Just by tapping into your home equity you will have money to spend elsewhere of your choosing. </span><br />
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<span style="font-family: Verdana, sans-serif;">Fewer than 1% of Americans who are able to take out a reverse mortgage have done so. This is a very low percentage compared to all the benefits of taking out a reverse mortgage. </span><br />
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<span style="font-family: Verdana, sans-serif;">Do not be the retires that are "home rich and cash poor". If you are 62 or older start doing your homework and learn about reverse mortgages. You never know... a reverse might be very beneficial to you. </span><br />
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com1tag:blogger.com,1999:blog-1522223102089118356.post-84717101145687429512016-06-23T10:42:00.000-04:002016-06-23T10:43:30.930-04:00Retired? Let us Help you make your money last!<span style="font-family: "arial" , "helvetica" , sans-serif;">Older Americans are becoming the big bulk of homeowners. We understand that its very stressful and critical on you and your family to make sure that you are set in your home for years to come. With a reverse mortgage some of those worries can be taken off your plate and you can stay in your home longer. </span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Before looking into a reverse mortgage there are some things you should look into. You must be 62 to be considered for a reverse mortgage. Also you want to look into your finances. Does your home have enough equity to make the process worth it? Do you think a reverse would be beneficial to your finances? Reverse Mortgages are very time consuming and you want to make sure that this is what is right for you. </span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">When it comes to lenders you want to shop around and find the right lender for yourself. There are many different lenders out there with different procedures and ways of doing things. Really be choosy about who you choose to invest your time with. Also if you are not familiar with reverse mortgages, educate yourself a little before investing. Read all the documents very carefully before signing anything. You want to have a full understanding with no confusion before moving on with the process. The more questions you ask, the less confusion there is. </span><br />
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<span style="font-family: "arial" , "helvetica" , sans-serif;">Here are some benefits of Reverse Mortgages</span><br />
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<li style="background: transparent; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You retain the title and ownership of your property.</span></li>
<li style="background: transparent; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You are never required to make a monthly mortgage payment.</span></li>
<li style="background: transparent; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You have access to cash you built up in home equity.</span></li>
<li style="background: transparent; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You don't have to have income to qualify or good credit.</span></li>
<li style="background: transparent; border: 0px; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="font-family: "arial" , "helvetica" , sans-serif;">You can never owe more than your home is worth.</span></li>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-size: 15.5px; line-height: 20.15px;">Vandyk Mortgage would love to help anyone who is interested in a Reverse Mortgage.</span><span style="background-color: white; font-size: 15.5px; line-height: 20.15px;">Call our experienced reverse mortgage professionals today and learn more about the benefits of this financial tool. You can release part of the equity in your home and retain the ownership all without a monthly payment. Help a loved one, remodel or make repairs to your house, you can do what you want to do.</span></span></div>
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-43392720009532136662016-05-24T13:01:00.000-04:002016-05-24T13:01:59.391-04:00Memorial Day is Coming Up! Veterans have you looked into Reverse Mortgages?<span style="font-family: Arial, Helvetica, sans-serif;">Veterans, </span><br />
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Do you know how a reverse mortgage can benefit you? It can you give you the financial freedom you need and deserve in the later years. Proceeds from a reverse mortgage can free up your budget to allow you to travel, remodel your home or help loved ones which will give you security and peace of mind. </div>
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Homeowners 62 and older who have paid off their home( or mostly paid off) or have a large equity position are eligible. Seniors buying a home with fifty percent or less down payment can obtain a reverse mortgage and not have any monthly mortgage payment. Unlike a traditional mortgage, a HECM loan does not require a monthly payment or payment in full, until all borrowers have moved out of the house. The reverse mortgage gives people another option to improve or maintain their standard of living while staying in their home.</div>
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David and Rob will be able to help you decide if this loan option is right for you and your family!</div>
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What will you do with your extra money? Call us at 513-429-2122 to let us know your answer! </div>
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-66084641544824646432016-05-20T10:58:00.001-04:002016-05-24T13:04:38.054-04:00Vandyk is partnering up with Make-A-Wish Foundation<div style="background-color: white; margin: 0px;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;">VanDyk's Legacy Team is partnering up with the Make- A- Wish Foundation to help grant wishes to over 8,000 critically ill children waiting in the Indiana, Ohio, and Kentucky area. Make A Wish grants wishes to children with life threatening medical conditions to instill hope, strength, and happiness. With impacting over 136 families in the 2015 year, the foundation hopes to impact even more in 2016. Along with many other sponsors Vandyk chooses to actively impact those in our community and help reach that 2016 goal!</span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;">On Saturday, June 11th, 2016 come join our team at Sawyer Point to help make differences in little kids lives. There will be a family friendly one to three mile walk, music, food, and a chance to meet families who have already been impacted!</span></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;">Cant Make It? Let your generous DONATION do the talking! Visit our Legacy Team page HERE: </span><a href="http://www.kintera.org/faf/donorReg/donorPledge.asp?ievent=1154671&supId=436244478&extSiteType=4" style="background-color: transparent;">http://www.kintera.org/faf/donorReg/donorPledge.asp?ievent=1154671&supId=436244478&extSiteType=4</a></div>
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<span style="font-family: "arial" , "helvetica" , sans-serif;"> Vandyk set a company goal to raise </span><span style="font-family: "arial" , "helvetica" , sans-serif;">$1</span><span style="font-family: "arial" , "helvetica" , sans-serif;">,000 dollars for one wish to be granted to a special child! Become a part of our team and help us grant that wish! </span></div>
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-3276503831756406032016-02-08T14:56:00.000-05:002016-02-08T14:56:10.289-05:00Could tax-free funds help you restart your retirement?<div class="separator" style="clear: both; text-align: center;">
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<b><u>Could tax-free
funds help you restart your retirement?<o:p></o:p></u></b></div>
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Many retirees have found themselves in the position of
seriously questioning whether or not the funds they saved for retirement will
outlast their lifestyle needs. This can happen for many reasons.<o:p></o:p></div>
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For example, an unplanned illness can deplete a couple’s
savings fairly quickly even with medical insurance. There can be out-of-pocket expenses for
medications and complications from a serious medical or experimental treatment
that can deplete anyone’s budget. <o:p></o:p></div>
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Even something as simple as the number of seniors who don’t have
a will, estate plan or retirement in place because of the cost to the monthly
cash-flow is surprising.<o:p></o:p></div>
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Today’s most savvy retirement planners would recommend a
reverse mortgage as part of a smart retirement re-boot . <o:p></o:p></div>
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By tapping the built-in equity in your home, the proceeds from
a reverse mortgage can be used for just about anything.<o:p></o:p></div>
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<b>It’s your tax-free money!<o:p></o:p></b></div>
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<b><u>You could:<o:p></o:p></u></b></div>
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Pay off medical bills and/or credit
card debt<o:p></o:p></div>
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Create an interest -bearing emergency
fund <o:p></o:p></div>
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Make home repairs and keep up with
general house maintenance<o:p></o:p></div>
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Remodel the bathroom, enlarge
doorways or build a mobility ramp <o:p></o:p></div>
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Estate planning, making or amending
a Will or pre-paying for final expenses<o:p></o:p></div>
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Did you know that by taking out a reverse mortgage on your
current home you can send yourself a monthly payment for the rest of your life?<o:p></o:p></div>
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It’s true! In addition
to accessing a lump sum of cash and structured monthly payments, your reverse
mortgage can establish an instant line of credit that cannot be closed until
you move out of your home. <o:p></o:p></div>
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All these choices come with the freedom to never have to
make a monthly payment, further aiding in your retirement re-boot!<o:p></o:p></div>
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For more information about how your home can serve you and
help replenish your retirement savings, call <u>David at Vandyk Mortgage</u> <b>(513)
429-2122</b> or click <b><a href="http://www.myreversemortgageprofessional.com/">HERE </a></b>to visit us
online.<o:p></o:p></div>
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com1tag:blogger.com,1999:blog-1522223102089118356.post-80664343442644990132015-12-31T11:26:00.003-05:002015-12-31T11:26:51.126-05:00At VanDyk Mortgage we work hard to envision our future while staying true to ourselves!<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-Ch1lxNCHSW4/VoVXKO3vGhI/AAAAAAAALrc/DsNcQbn_IoI/s1600/Man-on-Mountain.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="214" src="http://2.bp.blogspot.com/-Ch1lxNCHSW4/VoVXKO3vGhI/AAAAAAAALrc/DsNcQbn_IoI/s320/Man-on-Mountain.jpg" width="320" /></a></div>
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“Today” is important!</div>
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Without today’s success, you may never
arrive at tomorrow.” Thomas Heuer, professor at Miami University, writes about
this in his blog post, “Success comes when you believe in who you are.” </div>
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As we
begin the New Year, it’s traditional to review the past year’s progress in order
to set goals for improvement. This article includes 5 approaches companies who
are looking to sustain REAL GROWTH in 2016 and beyond. Heuer says they are: Center
Focus, The True Believers, The Creators, The Providers, and The Game Changers. All these strategies revolve around one main
concept, i.e. intimately knowing your customers in order to have your product
(or service) meet their needs; articulated or unarticulated. Further, any business
that wants to grow their bottom line and be sustainable into the future must constantly
focus on the future of their market and industry. </div>
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<o:p></o:p></div>
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Leaders in every field profit from taking time to ask the
tough questions such as, “How is our industry changing?” And, “What firms are
entering the marketplace innovating and creating disruption?” <o:p></o:p></div>
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At VanDyk mortgage,
the Legacy team knows who we are and that we are fiercely loyal to our
customers. Our mission is to help
families grow or change their legacy through homeownership. Our entire team
culture reflects our commitment to becoming a client’s “lender for life”. <o:p></o:p></div>
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To read the entire blog post from Thomas Heuer, click <a href="http://cincyentre.com/2014/08/17/success-believe-in-who-you-are/">HERE</a>. <o:p></o:p></div>
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If you want to find out more about joining our VanDyk
family, find us online at <a href="http://www.mymortgagecincinnati.com/">MyCincinnatiMortgage </a> or call us at 513-429-2122 or email<a href="mailto:dviox@vandykmortgage.com"> DavidViox@VanDykMortgage.com</a>.<o:p></o:p></div>
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-38379707779026425772015-12-10T09:45:00.000-05:002015-12-10T09:45:12.638-05:00Will you help a critically ill child this holiday season?<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-P4KMCaC7A98/VmmPZSDyQCI/AAAAAAAALqM/1W6_AlfDGlU/s1600/MAW%2Bsparkly%2Bstar.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="228" src="http://3.bp.blogspot.com/-P4KMCaC7A98/VmmPZSDyQCI/AAAAAAAALqM/1W6_AlfDGlU/s320/MAW%2Bsparkly%2Bstar.jpg" width="320" /></a></div>
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<b><span style="font-size: 14.0pt; line-height: 115%;">Will you help a
critically ill child this holiday season?<o:p></o:p></span></b></div>
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<b><span style="font-size: 14.0pt; line-height: 115%;">Join our Frequent Flyer Miles Contest
to Benefit Make-A-Wish</span></b><b><span style="font-size: 14.0pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">®</span></b><b><span style="font-size: 14.0pt; line-height: 115%;"><o:p></o:p></span></b></div>
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<span style="font-size: 12.0pt; line-height: 115%;">Miles
hanging around in your frequent flyer account? </span> How many frequent flyer miles do you have just
hanging around in your skymiles account that you cannot use? If you are like
me, I earn enough miles to have an account, but I never earn enough to fly
anywhere with them. In the end, my frequent flyer miles either expire, or the
airline offers me merchandise like magazines to use them up. It can be frustrating. <o:p></o:p></div>
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This year, the Legacy team at VanDyk mortgage has a solution
to your un-used frequent flyer miles dilemma. It’s a win-win proposition for
you and a child in South-West Ohio who really needs your help to make their
deepest wishes come true. <o:p></o:p></div>
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When you donate your unused frequent flyer miles to the
Make-A-Wish®
Foundation, which grants wishes to local children suffering with a critical
illness, you will be entered into a drawing to win:<o:p></o:p></div>
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Dinner for two, including a cocktail hour and live
entertainment (valued at $300). There will be a silent and a live auction that
will benefit Make-A-Wish® children and their families. Last year, Bob &
Marianne from Warm 98fm served as co-emcees for the event and were helped out
by local talent from WLWT’s Channel 5. You and your date will win a seat at the
gala table with VanDyk’s very own, Rob Young.
<o:p></o:p></div>
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<b>To ENTER the contest,
simply-<o:p></o:p></b></div>
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1. Click on the following link to donate your frequent flyer
miles: <a href="http://bit.ly/1QeDnlM">http://bit.ly/1QeDnlM</a><o:p></o:p></div>
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2. Go to the VanDyk Mortgage Facebook page, <b>LIKE it,</b> then post: “I’m a Legacy
Changer” <o:p></o:p></div>
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For an <u>extra entry, post a pic
of yourself</u> from the last place you flew with the caption, <b>“I’m a Legacy Changer”.<o:p></o:p></b></div>
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3. Invite your
friends to do the same! <o:p></o:p></div>
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<u>Official Contest Rules:</u> No purchase necessary to win,
but the winner must have donated frequent flyer miles to the Make-A -Wish
Foundation®
using the VanDyk contest weblink. Contest
ends on 1/5/2016 at 12:00pm EDT. Open to all US residents who are citizens over
21 years of age. Enter as often as you like. The prize has no cash value and is
transferrable but cannot be sold. Entrants agree to completely release Facebook
of any responsibility for this contest. Further<span style="background: white; color: #141823; font-family: "Helvetica","sans-serif"; font-size: 9.0pt; line-height: 115%; mso-bidi-font-family: "Times New Roman"; mso-bidi-theme-font: minor-bidi;">
</span><span style="background: white; color: #141823; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">the promotion is in no way sponsored, endorsed
or administered by, or associated with, Facebook.</span><o:p></o:p></div>
Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-66870691063226501522015-12-04T11:22:00.001-05:002015-12-04T11:22:43.286-05:00More Spending or More Legacy? The Choice is YOURS!<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-r-EaSztOXqc/VmG6lFYBVhI/AAAAAAAALpc/6L7KvcYhGKc/s1600/shutterstock_104946530.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="http://2.bp.blogspot.com/-r-EaSztOXqc/VmG6lFYBVhI/AAAAAAAALpc/6L7KvcYhGKc/s320/shutterstock_104946530.jpg" width="320" /></a></div>
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<span style="font-size: 12.0pt; line-height: 115%; mso-bidi-font-size: 11.0pt;">“T</span>he
reverse-mortgage option should be viewed as a method for responsible retirees
to create liquidity from another wise illiquid asset, which in turn can create
new options that potentially support a more efficient retirement income strategy,
such as <b>more spending or more legacy.</b>” - Wade Pfau<o:p></o:p></div>
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If you plan to stay in your home for your retirement, a HECM
(home equity conversion mortgage) or as they are commonly known, a reverse
mortgage is a highly recommended and researched solution. <o:p></o:p></div>
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Wade Pfau, featured writer for <i>The Wall Street Journal,</i> wrote in his article, “The New Case for
Reverse Mortgages”, about two reasons smart seniors should take out a HECM loan
early in their retirement journey. <o:p></o:p></div>
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First, establishing a line of credit through a
reverse-mortgage provides access to immediate money that retirees can use to
supplement their retirement income instantly.
Did you know that a HECM line of credit account grows along with the
interest rate of the loan? It’s true. Typically, this interest rate is much
higher than a savings account so your money grows bigger, faster. This is an advantage to a more traditional
approach to meeting unplanned financial needs which consists of tapping into a
401K account or an investment portfolio; both of which can have tax
consequences.<o:p></o:p></div>
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Seniors typically find they need more money than they
planned for due to unexpected expenses such as medical bills including
prescription costs, credit card debt and cost of living increases such as
property taxes and insurance. Proceeds
from a HECM can be used to pay for all of these expenses and more. <o:p></o:p></div>
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Most homeowners have never heard that their home’s built in
equity can be utilized in order to supplement retirement savings. A reverse mortgage is one of the safest, most
regulated home loans available to consumers today. <o:p></o:p></div>
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If you want to read about the second reason smart seniors
take out a reverse mortgage, you can read Wade Pfau’s entire article by
clicking <a href="http://blogs.wsj.com/experts/2014/12/01/the-case-for-reverse-mortgages/">HERE.</a> If you’re not familiar with the features of a reverse mortgage, </div>
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<b>David Viox, Vandyk Mortgage’s</b> HECM
advisor would be happy to meet with you personally and teach you about this
innovative, flexible, FHA mortgage.<o:p></o:p></div>
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Do you or someone you know plan to retire early? Reverse
mortgages are a great financial tool to use to sustain a long retirement with
relatively low risk to the borrower since it is a non-recourse loan. Call David
now at <b>513-429-2122.</b> Or go to our website
to learn more FREE at <a href="http://www.myreversemortgageprofessional.com/">www.MyReverseMortgageProfessional.com</a><o:p></o:p></div>
Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com1tag:blogger.com,1999:blog-1522223102089118356.post-29772949629443590952015-11-24T14:31:00.002-05:002015-11-24T14:32:34.261-05:00Appreciate Someone Who Is Unappreciated<div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-4_CXKI11Mx0/VlS6mTIs0EI/AAAAAAAALo8/IO_KjEgw3X4/s1600/peanuts-thanksgiving-730x444.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="194" src="http://4.bp.blogspot.com/-4_CXKI11Mx0/VlS6mTIs0EI/AAAAAAAALo8/IO_KjEgw3X4/s320/peanuts-thanksgiving-730x444.jpg" width="320" /></a></div>
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<strong><span style="color: #333333; font-size: 12.0pt; font-weight: normal;">As
we prepare our hearts for Thanksgiving and we reflect on all we have in our
lives to be grateful for, I wanted to share affirmation #4- "I will
appreciate someone unappreciated.”, from </span></strong><i><span style="font-size: 12.0pt; font-weight: normal; mso-bidi-font-weight: bold;">11 Affirmations Successful People Repeat Every Single Day,</span></i><span style="font-size: 12.0pt; font-weight: normal; mso-bidi-font-weight: bold;"> written
by Jeff Hayden.<o:p></o:p></span></h1>
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<span style="font-size: 12.0pt; font-weight: normal; mso-bidi-font-weight: bold;">While
you have a few days off from work over the holidays, consider making, “I will
appreciate someone unappreciated”, your personal mantra. Hayden gives us a call
to action that while simple and free will yield big returns!<o:p></o:p></span></h1>
<h1>
<span style="font-size: 12.0pt; font-weight: normal; mso-bidi-font-weight: bold;"> </span><span style="color: #333333;">Affirmation #4- </span><b style="color: #333333;">Appreciate Someone Who Is Unappreciated</b></h1>
<div style="margin-left: .5in;">
<i><span style="color: #333333;">“Some jobs require more effort than skill. Delivering
packages, bagging groceries, checking out customers -- the tasks themselves are
relatively easy. The difference is in the effort.<o:p></o:p></span></i></div>
<div style="margin-left: .5in;">
<i><span style="color: #333333;">So do more than say a reflexive "thanks" to
someone who does a thankless job. Smile. Make eye contact. Exchange a kind
word.<o:p></o:p></span></i></div>
<div style="margin-left: .5in;">
<i><span style="color: #333333;">All around you are people who work hard with little or no
recognition. Vow to be the person who recognizes at least one of them every
day.<o:p></o:p></span></i></div>
<div style="margin-left: .5in;">
<i><span style="color: #333333;">Not only will you give respect, you'll earn the best kind
of respect -- the respect that comes from making a difference, however
fleeting, in another person's life.”</span></i><span style="color: #333333;"><o:p></o:p></span></div>
<div style="margin-left: .5in;">
<i><span style="color: #333333;"><br /></span></i></div>
<span style="color: #333333;">If you want to read Jeff Hayden’s entire
article, you can find it <a href="http://www.inc.com/jeff-haden/11-affirmations-successful-people-repeat-every-day.html" target="_blank">HERE</a>. It’s a perfect quick- read for this busy season
that calls us to action in a way that will truly make your holidays special.<o:p></o:p></span><br />
<span style="color: #333333;"><br /></span>
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<b><span style="color: #333333;">Happy Thanksgiving from the Legacy Team at VanDyk Mortgage<o:p></o:p></span></b></div>
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-35171135236864404912015-11-10T12:34:00.001-05:002015-11-10T12:34:35.111-05:00Happy Veteran's Day 2015<div class="separator" style="clear: both; text-align: center;">
<a href="http://3.bp.blogspot.com/-g2Gvzu_DNvg/VkIm9VWc7VI/AAAAAAAALoA/zJoRHkypG-8/s1600/hispanic%2Bveteran%2Bfamily.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="212" src="http://3.bp.blogspot.com/-g2Gvzu_DNvg/VkIm9VWc7VI/AAAAAAAALoA/zJoRHkypG-8/s320/hispanic%2Bveteran%2Bfamily.jpg" width="320" /></a></div>
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<strong style="line-height: 18pt;"><span style="color: #333333; font-family: "Arial","sans-serif"; letter-spacing: .15pt;">The
Legacy Team at VanDyk Mortgage Cincinnati would like to wish America’s Veteran’s
a Happy and Peace-filled Veteran’s Day.
We honor you and thank you for your service to our country. Without the
hard work and sacrifices of the men and woman in the armed services, the rest
of us would not enjoy the high quality of life we have today.</span></strong></div>
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<strong><span style="color: #333333; font-family: "Arial","sans-serif"; letter-spacing: .15pt;">Did
you know that a majority of service men and woman, once they are discharged
from active duty, face many challenges adjusting to civilian life? It’s true
and well documented but not necessarily well known. <o:p></o:p></span></strong></div>
<div style="background: white; line-height: 18.0pt; margin-bottom: 12.8pt;">
<strong><span style="color: #333333; font-family: "Arial","sans-serif"; letter-spacing: .15pt;">Combat
Veterans to Careers </span></strong><strong><span style="color: #333333; font-family: "Arial","sans-serif"; font-weight: normal; letter-spacing: .15pt; mso-bidi-font-weight: bold;">is an agency that</span></strong><strong><span style="color: #333333; font-family: "Arial","sans-serif"; letter-spacing: .15pt;"> </span></strong><span style="font-family: "Arial","sans-serif";">works with Veterans who served in post-9/11 Iraq or Afghanistan.</span><strong><span style="font-family: "Arial","sans-serif"; letter-spacing: .15pt;"><o:p></o:p></span></strong></div>
<div style="line-height: 16.5pt; margin-bottom: 7.5pt; margin-left: 0in; margin-right: 0in; margin-top: 0in;">
<span style="font-family: "Arial","sans-serif";">Combat
Veterans to Careers (CVC) was founded in The Villages of central Florida in May
2012 with the commitment to serve our nation’s combat veterans and their
families. <o:p></o:p></span></div>
<div style="line-height: 16.5pt; margin: 0in 0in 7.5pt;">
<span style="font-family: "Arial","sans-serif";">CVC has
partnered with local residents, clubs, businesses, colleges and VA offices to
bring combat veterans and their families “home” to a community that embraces
them and provides education, understanding and meaningful employment to
minimize hardships.<o:p></o:p></span></div>
<div style="line-height: 16.5pt; margin: 0in 0in 7.5pt;">
<span style="font-family: "Arial","sans-serif";">In addition to
counseling, housing, career and educational opportunities, they provide
veterans with opportunities to deliver services beyond themselves. This is
essential to successfully reconnecting with others in the community, and is a
large part of why many veterans were led to serve their country in the first
place.<o:p></o:p></span></div>
<div style="line-height: 16.5pt; margin: 0in 0in 7.5pt;">
<span style="font-family: "Arial","sans-serif";">Accessing care
and benefits through the VA, utilizing earned education benefits, training for
civilian careers, securing affordable housing and developing a quality resume
package are just a few of the ways we continue to help our veterans transition
back into civilian life.<o:p></o:p></span></div>
<div style="line-height: 16.5pt; margin-bottom: 7.5pt; margin-left: 0in; margin-right: 0in; margin-top: 0in;">
<span style="font-family: "Arial","sans-serif";">Here is the
link to a success story from the Combat Veterans to Careers website about David
Gomez an American Hero and his family. <strong><span style="color: #333333; font-weight: normal; letter-spacing: 0.15pt;"><a href="http://combatveteranstocareers.org/success-stories">http://combatveteranstocareers.org/success-stories</a><o:p></o:p></span></strong></span></div>
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<strong><span style="color: #333333; font-family: "Arial","sans-serif"; font-weight: normal; letter-spacing: .15pt;"> </span></strong><a href="http://4.bp.blogspot.com/-OINPX5mGClk/VkInS52pf0I/AAAAAAAALoI/HEVqqklaLCU/s1600/CV2C_logo.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" height="200" src="http://4.bp.blogspot.com/-OINPX5mGClk/VkInS52pf0I/AAAAAAAALoI/HEVqqklaLCU/s200/CV2C_logo.png" width="175" /></a></div>
<div style="line-height: 16.5pt; margin-bottom: 7.5pt; margin-left: 0in; margin-right: 0in; margin-top: 0in;">
<strong><span style="color: #333333; font-family: "Arial","sans-serif"; font-weight: normal; letter-spacing: .15pt;">On this Veteran’s day,
take a moment to watch the video about the Gomez family in order to become more
aware of the adjustment issues our veterans face while transitioning back into
civilian life. Awareness and education
regarding the issues our soldiers and their families face is the first step in
fixing “the system” for all of our military heroes. <o:p></o:p></span></strong></div>
<div style="line-height: 16.5pt; margin-bottom: 7.5pt; margin-left: 0in; margin-right: 0in; margin-top: 0in;">
<strong><span style="color: #333333; font-family: Arial, sans-serif; letter-spacing: 0.15pt;">Happy Veteran’s Day 2015
from VanDyk Mortgage Cincinnati. <span style="font-weight: normal;">We
proudly serve our veteran’s and active military persons by growing their family’s
legacy through home ownership. </span></span></strong><strong><span style="font-family: "Arial","sans-serif"; font-weight: normal;"><o:p></o:p></span></strong></div>
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<br />Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-52516130053275767212015-10-28T12:08:00.000-04:002015-10-28T12:08:12.364-04:00TAX FREE business start-up money for Baby-Boomers! <div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-9bohYNp8FKg/VjDxiu0Dx8I/AAAAAAAALnk/I4y70IFv7pQ/s1600/Senior-businessman%2Bwith%2Bcomputer.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="http://2.bp.blogspot.com/-9bohYNp8FKg/VjDxiu0Dx8I/AAAAAAAALnk/I4y70IFv7pQ/s320/Senior-businessman%2Bwith%2Bcomputer.jpg" width="320" /></a></div>
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Kerry Hannon, contributing editor to Forbes magazine, who
covers <span style="background: white; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">boomer careers, retirement, aging and personal finance</span> writes
about the millions of Americans who have started their business after age 50.
In fact, she says that many of those self-made entrepreneurs are 60 and older
which makes sense if you consider how long people are living and that the
minimum retirement age is 62 for most people and continues to rise.<o:p></o:p></div>
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Hannon’s article, which is adapted from her book,<a href="http://www.forbes.com/sites/nextavenue/2014/04/10/11-places-to-find-money-to-start-a-business/2" target="_blank"> <span style="color: blue;">What’s Next?: Finding Your Passion and Your Dream Job in Your Forties, Fifties, and Beyond</span> </a>
(Chronicle Books), she points out that finding start-up money for a new
business can be a stumbling block for boomers who don’t want to deplete their
retirement monies. What can be done to help savvy seniors protect their assets
while allowing them to pursue their dream of a second career? <o:p></o:p></div>
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Hannon lists 11 different options for finding money
from personal savings, friends and family, banks, grants, HELOCs and even a
crowd funding website to her readers.
These are all good traditional places to find money. However, I was disappointed
to see that she failed to include one, tax -free place that a majority of
seniors can access their own money to use to start up a small business,
especially if they own their own home free and clear or they are carrying a
small mortgage balance. What is it? It’s
a Home Equity Conversion Mortgage (HECM), more commonly known as a reverse
mortgage.<o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
It’s true! A HECM refinance loan allows homeowners to
quickly and easily tap into the equity paid into the home. A HECM loan is an FHA government insured
mortgage. With a HECM there are no required monthly payments for as long as you
live in the home- guaranteed! <o:p></o:p></div>
<div class="MsoNormal">
If you are at least 62 years old you may be eligible
for a reverse mortgage as long as you have good credit and the ability to pay
your property taxes and insurance. Financing
your small business is a <b><u>problem
solved!</u></b><o:p></o:p></div>
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<b><u><br /></u></b></div>
<div class="MsoNormal">
Want more FREE information? David Viox, HECM advisor, wants to
answer your questions and give you more information in order to make an
informed decision now about whether a reverse mortgage can help you. He is a
reverse mortgage expert. <o:p></o:p></div>
<div class="MsoNormal">
More information about the HECM home loan can be found <b><a href="http://www.myreversemortgageprofessional.com/" target="_blank"><span style="color: blue;">HERE</span></a></b><o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Or call David now, he is waiting to talk with you about your dreams
of owning your own business.<o:p></o:p></div>
<br />
<div class="MsoNormal">
David, <b>513-429-2122</b><o:p></o:p></div>
Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com1tag:blogger.com,1999:blog-1522223102089118356.post-36876178990726281392015-10-20T14:58:00.000-04:002015-10-20T14:58:02.320-04:00Should you worry about the Social Security tax affecting your return this year? <div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-gR-0ynAc0oU/ViaNemIEPBI/AAAAAAAALnI/BVVV4CrOGEg/s1600/shutterstock_80167588.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="213" src="http://2.bp.blogspot.com/-gR-0ynAc0oU/ViaNemIEPBI/AAAAAAAALnI/BVVV4CrOGEg/s320/shutterstock_80167588.jpg" width="320" /></a></div>
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Do you have parents who are at least 60 years old? If you
answered yes, then like me you have been faced with the best plan to ensure
that your parents retirements savings will outlast their lifetime. In the article, the “Top 6 Myths About Social
Security Benefits”, Rich White provides really helpful practical information
that can help seniors plan how to maximize their <a href="https://www.socialsecurity.gov/" target="_blank">social security</a> benefits. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
At VanDyk mortgage, the Legacy team specializes in helping
family’s grow their legacy through homeownership. This includes our baby boomer
clients and their families too from their first home to their last. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
Consider this Social Security Myth (#5)- <i>The tax on social security benefits isn’t
enough to worry about</i><o:p></o:p></div>
<div class="MsoNormal">
In truth, even modestly affluent seniors will pay tax on up
to 85% of their benefit. White (2013, says the social security tax should be
taken seriously by all well off recipients.
During this presidential election cycle (2016) a few top GOP candidates
have suggested taxing the social security benefit of the top wage earners
increase to 100% as a problem solving solution designed to rescue the crippled
entitlement program. <o:p></o:p></div>
<div class="MsoNormal">
Additionally, unlike other sources of retirement income,
social security payments are paid out monthly to all recipients regardless of
financial need. There is no flexibility
in how you receive your money once you begin to draw your payments. For some seniors, this doesn’t make sense in
the big picture of their financial portfolios over the long term. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
David Viox at VanDyk mortgage is an expert in the HECM (home
equity conversion mortgage) loan for borrowers who want to diversify and use
their homes built up equity to supplement retirement savings. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
David is a big believer that becoming a homeowner is a key
part to building a family’s wealth. A
home is one of the most valuable assets that can be leveraged to allow a person
to live comfortably in retirement when managed correctly. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
David’s passion is to help people avoid the pain and mental
stress of running out of money in retirement. He is a highly qualified home
loan advisor and is a licensed loan originator in Ohio, Kentucky and Indiana
(NMLS 19263). <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
A HECM is a valuable planning tool, especially for solidly
middle- class homeowners who are looking for a way to access their own tax-
free money. This can be done in several
ways using the HECM product by choosing either to refinance their existing loan,
setting up Line of Credit that grows or receiving fixed monthly payments for
life. Or, you can write your HECM loan to provide you with a combination of all
3 options. And, did you know that you never have to make a payment on a HECM
loan for as long as you live in the home? Sound
too good to be true? It’s not magic it’s home equity. <o:p></o:p></div>
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<br /></div>
<div class="MsoNormal">
Read the entire article by Rich White on Social Security
Myths here: <a href="http://www.investopedia.com/articles/retirement/08/6-retirement-myths.asp#ixzz3ojY5eZ00" target="_blank">Top 6 Myths About Social Security </a> </div>
<div class="MsoNormal">
<span class="MsoHyperlink"><span style="color: windowtext; font-size: 11.5pt; line-height: 115%;">For more information
on the HECM loan, contact David at VanDyk mortgage. You can email him at </span></span><a href="mailto:DViox@vandykmortgage.com"><span style="font-size: 11.5pt; line-height: 115%; mso-bidi-font-family: Calibri; mso-bidi-theme-font: minor-latin;">DViox@vandykmortgage.com</span></a><span class="MsoHyperlink"><span style="color: windowtext; font-size: 11.5pt; line-height: 115%;"> or call at 513-429-2122. <o:p></o:p></span></span></div>
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<span class="MsoHyperlink"><span style="color: windowtext; font-size: 11.5pt; line-height: 115%;"><br /></span></span></div>
<div align="center" class="MsoNormal" style="text-align: center;">
<span class="MsoHyperlink"><i><span style="color: windowtext; font-size: 11.5pt; line-height: 115%;">Helping Families Grow Their Family’s Legacy Through Homeownership<o:p></o:p></span></i></span></div>
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<br /></div>
Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-33818386979714635662015-10-12T11:49:00.000-04:002015-10-12T11:49:51.091-04:00How Can Spending Your Home’s Built In Equity Protect and Extend Your Retirement Savings?<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;">With a Home Equity Conversion Mortgage (HECM), many people 62
years of age or older are choosing to combine their normal retirement savings
with their reverse mortgage proceeds in order to finance living 20 -40 years
after retirement. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;">The HECM loan is such a unique and flexible loan program that
it allows borrowers to collect a monthly payment to themselves, create a growing
line of credit, receive a lump-sum pay out or
or a combination of all three options without ever having to make a payment on the loan
itself for life! <o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;">Sound too good to be true? It isn’t, but the HECM loan isn’t
magic either. It’s a loan just like any
other FHA mortgage loan that’s backed by the government for the borrower’s
protection. When it comes time to sell the house, for whatever reason, the
homeowner has choices. At any time you or your heirs can sell your house, pay
off the loan then keep the proceeds. Or,
you or your heirs could choose to keep your house by paying off the reverse
mortgage without penalty. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;">If you have passed, the heirs can actually buy your home at a
discounted price equal to 95% of the home appraised value at that time. Further, a HECM is a non-recourse loan
which means that the only asset the bank can come after to pay for the HECM
loan balance is the house itself. In other words, the house owes the bank the
money not the owner or his estate. FHA insures that the homeowner or his estate
cannot owe the bank more than the house is worth. This is a tremendous guarantee HUD makes to
ensure the homeowner’s reverse mortgage is a safe choice. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;">For many retirees it’s the unexpected expenses that can
derail even the best laid budget and savings plans. Medical bills and care expenses, home
maintenance and family gifts can cause homeowners financial stress which can
lead to depleting financial assets. If
you have 2 or 3 major expenses in a year, or you withdraw too much money from
your retirement accounts, this can affect your bottom line and may cause
unexpected tax consequences. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;">How can you avoid some of these retirement savings pitfalls
without increasing your income through work? Think about a HECM loan. <o:p></o:p></span></div>
<div class="MsoNormal" style="text-indent: .5in;">
<span style="font-size: 12.0pt; line-height: 115%;">Tom Davidson, CFP, Summit Financial Strategies in Columbus
Ohio “retirees’ lifetime spending can be raised by 60 percent to even 100
percent by using reverse mortgages strategically with planned portfolio
withdrawals.” </span>(<a href="http://www.lifehealthpro.com/2015/06/25/how-to-help-senior-clients-spend-wisely-in-retirem">http://www.lifehealthpro.com/2015/06/25/how-to-help-senior-clients-spend-wisely-in-retirem</a>)<o:p></o:p></div>
<div class="MsoNormal" style="text-indent: .5in;">
For more information, specific to
how a HECM loan can help you make your retirement savings last by utilizing
your home equity, contact <a href="mailto:DViox@vandykmortgage.com" target="_blank">David </a>at our VanDyk Cincinnati office. He can help.</div>
<div class="MsoNormal" style="text-indent: .5in;">
<br /></div>
<div class="MsoNormal" style="text-indent: .5in;">
Call David at 513-429-4122 or toll free 1-877-357-1410</div>
<span style="font-family: "Calibri","sans-serif"; font-size: 12.0pt; line-height: 115%; mso-ansi-language: EN-US; mso-ascii-theme-font: minor-latin; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin; mso-hansi-theme-font: minor-latin;"> </span>Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-30478254416599289262015-08-03T15:27:00.000-04:002015-08-03T15:27:05.302-04:00<div class="MsoNormal">
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<br /></div>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-a1lNAqZ4xeU/Vb_ALkiY3wI/AAAAAAAALhY/OAACgECuEpM/s1600/shutterstock_41660512.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="291" src="http://1.bp.blogspot.com/-a1lNAqZ4xeU/Vb_ALkiY3wI/AAAAAAAALhY/OAACgECuEpM/s320/shutterstock_41660512.jpg" width="320" /></a></div>
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<div class="MsoNormal">
Did you know that you can buy a home using a HECM for
purchase loan? It’s true! And for today’s money savvy seniors, the HECM for
purchase offers many benefits a traditional mortgage does not. <o:p></o:p></div>
<div class="MsoNormal">
For instance, if you were thinking of buying a retirement home
with a large down payment in order to avoid having a big house payment, using a
HECM loan can eliminate your monthly payment altogether!<o:p></o:p></div>
<div class="MsoNormal">
A HECM for purchase loan can also increase your buying power
allowing you to buy “more home” with the same money you were going to spend
without increasing your out of pocket costs. You could afford to finish off the
basement, choose granite counter-tops, install hard wood floors or select tile
for the bathroom. Think about it. A HECM for purchase loan gives you the power
to buy the home you really want, in a great location, while keeping money in
your pocket.<o:p></o:p></div>
<div class="MsoNormal">
How? Let our mortgage advisor David Viox introduce you to
this flexible, innovate, FHA mortgage loan. <o:p></o:p></div>
<div class="MsoNormal">
Call VanDyk Mortgage today at <o:p></o:p></div>
<div class="MsoNormal">
513-429-2122<o:p></o:p></div>
<br />
<div class="MsoNormal">
<a href="http://www.myreversemortgageprofessional.com/">www.myreversemortgageprofessional.com</a><o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
“David Viox provided me with exceptional service from our
first meeting when he told me I qualified for a mortgage, to my closing. Even though all of our interactions were
online or on the telephone, I felt I was given personal service including
weekly updates on my loan status. David is courteous, efficient and provided me
with excellent overall service. VanDyk has good rates. <o:p></o:p></div>
<div class="MsoNormal">
I would recommend them to a friend.”<o:p></o:p></div>
<div class="MsoNormal">
</div>
<div class="MsoNormal" style="text-indent: .5in;">
-Amy C. , Indiana<o:p></o:p></div>
Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-6044857702739077692015-05-14T15:55:00.003-04:002015-05-14T15:55:50.361-04:00Granite, Tile or Hard Wood Floors?<div class="separator" style="clear: both; text-align: center;">
<a href="http://2.bp.blogspot.com/-4XKdQsoIfDw/VVT9VeA4GxI/AAAAAAAALYQ/DvP2s8I5Dq0/s1600/shutterstock_29680069.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="132" src="http://2.bp.blogspot.com/-4XKdQsoIfDw/VVT9VeA4GxI/AAAAAAAALYQ/DvP2s8I5Dq0/s200/shutterstock_29680069.jpg" width="200" /></a></div>
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Granite, Tile or Hard Wood Floors?</div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Why choose? You've worked so hard to pay off your family’s
home. Now that you've sold it, and you
are looking to build that retirement home she’s always wanted, desirable upgrades
can be expensive. You want to live in
the style you’re accustomed to, but you don’t want a hefty monthly mortgage
payment. How can VanDyk help you meet
your retirement housing goals while still staying in budget? A HECM for purchase
home loan could solve your housing dilemmas. You really can have it all. <o:p></o:p></div>
<div class="MsoNormal">
With a HECM for purchase loan, you can put your home’s
equity to work for you without necessarily raising your house payment. With a
reverse mortgage from VanDyk mortgage, David Viox will show you how to keep
more money in your pocket while funding the builder’s upgrades . We have the home loan products to fit your
changing lifestyle needs. <o:p></o:p></div>
<br />
<div class="MsoNormal" style="text-align: center;">
David is waiting to talk to you. Call him now! 513-429-2122 or online at <a href="http://www.myreversemortgageprofessional.com/">http://www.myreversemortgageprofessional.com</a><o:p></o:p></div>
Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-16520322127628018312015-04-28T16:11:00.001-04:002015-04-28T16:11:56.458-04:00Can We Help You today? YES!<div class="MsoNormal">
<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
At VanDyk Mortgage,
one of our favorite questions to ask our clients is: “<span style="color: #0b5394;">How Can I help You today?</span>”<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="separator" style="clear: both; text-align: center;">
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<div class="MsoNormal">
<u>Client request</u>-
“I want to liquidate the equity in my home but not pay taxes on the money I
receive.”<o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
<u>VanDyk Cincinnati says</u>- “Mortgage proceeds from a
HECM reverse mortgage are tax free because it is not considered income.” Remember;
talk with your financial advisor and/or government agencies to determine any
effect on your specific case. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<div class="MsoNormal">
Better yet, did you know you can use the net loan proceeds
for any reason you decide? It’s true. Some borrowers use it to pay off debt,
remodel their home, help their adult children, or put in the bank to use as
needed to supplement their retirement income. <o:p></o:p></div>
<div class="MsoNormal">
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How can we help you today? <u>Call us now </u>at 513-429-2122 ask
for David.<o:p></o:p></div>
<div class="MsoNormal" style="margin-left: 1.0in; text-indent: .5in;">
<a href="http://www.myreversemortgageprofessional.com/">www.MyReverseMortgageProfessional.com</a>
<o:p></o:p></div>
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<br /></div>
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<o:p></o:p></div>
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-15302890496138847242015-04-13T08:32:00.002-04:002015-04-13T08:36:57.177-04:00HECM for purchase helps small business <div class="MsoNormal">
Many Americans are living longer and longer lives. Some
statics predict that a baby born today is likely live to be 100 years old! Some
baby-boomers are choosing to remain in the working world when others are
retiring. Recently one of our customers, who owns his own pool company, wanted
to raise a lump sum of cash to invest in his business without depleting his
retirement savings. <o:p></o:p></div>
<div class="MsoNormal">
<br /></div>
<br />
<div class="MsoNormal">
A HECM reverse mortgage can provide customers with a source
of income that can be used however they wish. Not only do you retain ownership of your home,
but you choose whether or not to make monthly payments while you still live
there. Let our experienced HECM loan advisors show you how this unique loan
program can work for you.<o:p></o:p></div>
Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-10234738620841124032015-03-02T08:40:00.001-05:002015-03-02T08:40:20.450-05:00VanDyk Rated A Top Employer Nationwide <div class="separator" style="clear: both; text-align: center;">
<a href="http://4.bp.blogspot.com/-8lhFr1QeUyQ/VPRn2Fj9MiI/AAAAAAAALTw/cZ4cdSKr-0s/s1600/NMP_crown_logo.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://4.bp.blogspot.com/-8lhFr1QeUyQ/VPRn2Fj9MiI/AAAAAAAALTw/cZ4cdSKr-0s/s1600/NMP_crown_logo.png" height="201" width="320" /></a></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<b><span style="font-family: "Helvetica","sans-serif"; font-size: 14.0pt;">VanDyk Mortgage Rated ‘Top Mortgage
Employer’ <o:p></o:p></span></b></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: "Helvetica","sans-serif";">WANTAGH,
NEW YORK </span><span lang="JA" style="font-family: "MS Mincho"; mso-bidi-font-family: "MS Mincho";">─</span><span style="font-family: "Helvetica","sans-serif";">
National Mortgage Professional Magazine polled its 157,472 subscribers in
November of 2014 and the results are in. Grand Rapids, Michigan-based VanDyk
Mortgage Corporation earned a spot on the list of top mortgage employers in the
nation. The 60 top companies were announced in the January 20, 2015 edition of
the monthly magazine published on Long Island. <o:p></o:p></span></div>
<div style="margin-bottom: .0001pt; margin: 0in;">
<br /></div>
<br />
<div style="margin-bottom: .0001pt; margin: 0in;">
<span style="font-family: "Helvetica","sans-serif";">Each
company was graded in eleven key areas by its employees. Categories
included compensation, speed, marketing support, technology, corporate culture,
long term strategy, day-to-day management, internal communications, training
resources, industry participation and innovation. The weighted survey was
designed so that the publication’s readers could give them candid feedback
about the mortgage companies that they work for.<o:p></o:p></span></div>
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-89156011616684245402015-02-13T08:41:00.004-05:002015-02-13T08:41:56.681-05:00HECM mortgage loans save family homes <div class="MsoNormal">
A HECM mortgage is an effective way to protect a family’s
home legacy through home ownership especially in times of grief and
hardship. A valued VanDyk customer lost
her husband to old age recently. They bought their Bond Hill home together in
1970 but the mortgage was in his name only. </div>
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When her husband passed away, the mortgage debt needed to be paid off
allowing his widow to remain in her home. A HECM reverse mortgage is a great
loan for any senior with a fixed income, limited credit and doesn't want to pay
a lot of money out of pocket. In this
case, the wife secured her home’s mortgage in her name which will allow it to
stay in the family and protect her wealth. </div>
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Could you use the help of a trusted mortgage adviser from VanDyk to see
how a HECM loan could serve you and your loved ones? </div>
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Contact us at 513-429-2122
or toll free 1- 877-357-1410 You can find us on the web at <a href="http://www.myreversemortgageprofessional.com/">www.myreversemortgageprofessional.com</a> Ask for David. <o:p></o:p></div>
Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-86133770283079685492015-01-30T08:00:00.003-05:002015-01-30T08:00:54.287-05:00Tax Refunds and Reverse Mortgages<div class="MsoNormal">
What do a Tax Refund and A Reverse Mortgage Have in Common?<o:p></o:p></div>
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Answer: YOUR MONEY!<o:p></o:p></div>
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Both give the consumer a way to access their hard earned
money. A Reverse Mortgage gives Seniors direct access to their homes built in
equity. Did you know that securing a
HECM Reverse Mortgage is easier than a traditional forward mortgage because
your age (62yrs. +) is the determining factor for qualification not your credit
score. The loan is also not solely based upon income so it’s perfect for people
living on a fixed income that want to remain in their own home. <o:p></o:p></div>
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Reverse Mortgages give you freedom on how to spend your own
money. The proceeds from a HECM can be used in many convenient ways. You can
update or remodel your home, supplement your monthly income, or treat yourself
to a legacy vacation. It’s up to you. The
most unique feature about this mortgage loan is that as a homeowner you can
choose whether or not to ever make an out of pocket mortgage payment or not! A
Reverse Mortgage gives you control and power over your home as an investment. <o:p></o:p></div>
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Call David, your hometown mortgage adviser locally at
513-429-2122 or toll free at 1- 877-357-1410. Or visit us on the web at <a href="http://www.myreversemortgageprofessional.com/">www.myreversemortgageprofessional.com</a> <o:p></o:p></div>
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<o:p> </o:p>t. </div>
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-82977590014603090092014-12-31T09:16:00.001-05:002014-12-31T09:16:40.565-05:00How about a New Home for the New Year?<div class="MsoNormal">
Did you know that a Reverse mortgage is the best way to
stretch your retirement dollars? </div>
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It’s true! A HECM Reverse Mortgage can allow
you to free up cash each month by using the equity built up into your home. <o:p></o:p></div>
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With a Reverse Mortgage, you home always remains YOURS. Like any other mortgage, the title remains in
your name . However, unlike a regular or forward mortgage loan, with a Reverse
you can choose to access the house’s equity in order to either:<o:p></o:p></div>
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<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
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</span></span><!--[endif]-->Eliminate the monthly mortgage payment<o:p></o:p></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal;">
</span></span><!--[endif]-->Take a lump-sum of cash out to use as you wish<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal;">
</span></span><!--[endif]-->Establish a ready line of credit to use for
unexpected expenses<o:p></o:p></div>
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</span></span><!--[endif]-->Receive cash monthly payments to boost your
income<o:p></o:p></div>
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Or, you can stay in your home and use the mortgage proceeds
to update or remodel in order to fit your changing needs. It’s your choice. A HECM is very flexible and
gives you many options. <o:p></o:p></div>
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Why not call David at the office and ask him how a Reverse Mortgage can serve you this New Year and many more years to come. 513-429-2122 or toll free at 1-877-357-1410</div>
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-5064650957870530842014-12-29T11:53:00.004-05:002014-12-29T11:53:59.211-05:00Reverse Mortgages Explained <div class="separator" style="clear: both; text-align: center;">
<a href="http://1.bp.blogspot.com/-Lq1644cMTbg/VKGGrIsEEQI/AAAAAAAALJ4/Umni1KQIVqY/s1600/VD%2BGroup%2B11-19-20%2Bgoogle%2Bplus.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-Lq1644cMTbg/VKGGrIsEEQI/AAAAAAAALJ4/Umni1KQIVqY/s1600/VD%2BGroup%2B11-19-20%2Bgoogle%2Bplus.png" height="215" width="320" /></a></div>
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Why Did HUD introduce the Reverse Mortgage? <o:p></o:p></div>
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Home equity conversion mortgages (HECM) which are commonly
called Reverse Mortgages, were created to give Seniors age 62yrs+ additional
options for buying their last home. Reverse Mortgages make it easy for Seniors
to buy a primary residence for the following purposes:<o:p></o:p></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal;">
</span></span><!--[endif]-->Relocate nearer to family members, friends, or
trusted caregivers .<o:p></o:p></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<br /></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal;">
</span></span><!--[endif]-->“Right-size” to a smaller home reducing home
maintenance needs that can be found in a senior retirement community. <o:p></o:p></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-indent: -.25in;">
<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal;">
</span></span><!--[endif]-->Remodel an existing home to meet family physical
needs like installing handrails, wider doorways and handicapped accessible
restrooms.<o:p></o:p></div>
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<!--[if !supportLists]--><span style="font-family: Symbol; mso-bidi-font-family: Symbol; mso-fareast-font-family: Symbol;">·<span style="font-family: 'Times New Roman'; font-size: 7pt; font-stretch: normal;">
</span></span><!--[endif]-->Enjoy carefree, single level living in your
retirement dream home<o:p></o:p></div>
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A HECM loan can allow you to sell a home, and then purchase
a new home closer to your family and friends by using your home’s equity and
other assets. This is a unique loan
program that benefits Seniors only in order to make the most of their
retirement portfolio and make homeownership affordable. <o:p></o:p></div>
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At Van Dyk mortgage, we specialize in creative, practical
home mortgage solutions for everyone.
Let us make your dream of homeownership come true. <o:p></o:p></div>
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www.myreversemortgageprofessional.com </div>
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0tag:blogger.com,1999:blog-1522223102089118356.post-23634017684538919042014-11-17T12:02:00.000-05:002014-11-17T12:02:00.589-05:00Gift of Remodeling<!--[if gte mso 9]><xml>
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Some of our clients at VanDyk Mortgage say that the best
gift you can give is the gift you give to yourself. For example, one of our valued
clients decided to put the built-in equity from his home to work by remodeling
both the restrooms in his home.<span style="mso-spacerun: yes;"> </span>Now that
his and his wife’s physical needs are changing due aging safety and ease of use
are his top priorities.<span style="mso-spacerun: yes;"> </span>Their current
home was in desperate need of remodeling both for function and beauty. </div>
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<span style="mso-spacerun: yes;"> </span>A HECM (home equity
conversion mortgage) reverse mortgage loan was the perfect answer to meet their
families changing needs.<span style="mso-spacerun: yes;"> </span>Loan proceeds from
a Reverse Mortgage can be used to update and remodel your home. By updating the
kitchen, your bathrooms or perhaps the entrance to your home not only will you
increase your home’s value, but you will benefit from the safe, universal,
updated design. Check out our home remodeling board on Pinterest at <span style="mso-spacerun: yes;"> </span><a href="http://bit.ly/1xeJr4G">http://bit.ly/1xeJr4G</a></div>
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Remember, a HECM loan is available for Seniors age 62 years
or older.<span style="mso-spacerun: yes;"> </span>There are no income or credit qualifications
which make the application process perfect for those living on a fixed retirement
income.<span style="mso-spacerun: yes;"> </span>Ask your VanDyk mortgage loan adviser<span style="mso-spacerun: yes;"> </span>Reverse Mortgages are FHA guaranteed to protect
the homeowners investment while still retaining home ownership.<span style="mso-spacerun: yes;"> </span>Call us today at 513-429-2122 or visit us at <a href="http://www.myreversemortgageprofessionals.com/">www.myreversemortgageprofessionals.com</a></div>
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<a href="http://1.bp.blogspot.com/-52OcrxCx2cI/VGop_nRurJI/AAAAAAAALJU/itAOSAHzZkI/s1600/gift%2Bbox.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://1.bp.blogspot.com/-52OcrxCx2cI/VGop_nRurJI/AAAAAAAALJU/itAOSAHzZkI/s1600/gift%2Bbox.jpeg" height="320" width="280" /></a></div>
to explain the benefits of this unique loan program in person. It’s a
great first step in making your home’s equity work for you.<br />
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Cincinnati Mortgage Advisorhttp://www.blogger.com/profile/06579372247504492751noreply@blogger.com0