Reverse Mortgage Services by Ray Sedighi
Your Trusted Reverse Mortgage Specialist with Over 36+ Years of Experience
Welcome to the Reverse Mortgage page at HomesByRay.com, where Ray Sedighi, an experienced Reverse Mortgage specialist and Certified Probate Listing Broker, is here to provide you with personalized guidance and expert advice. With decades of experience helping clients navigate complex financial decisions, Ray brings unmatched expertise and a deep commitment to ensuring your peace of mind.
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What Is a Reverse Mortgage?
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​Are you curious about how a reverse mortgage works and how it might benefit you or your loved ones? In California you have to be 62 years and older to qualify
Purchase home, Get Second Mortgage without any monthly mortgage
Watch this video to learn everything you need to know about reverse mortgages, explained in simple terms:
LOOKING FOR EXTRA CASH FLOW?
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Pay Off Higher-interest
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Credit Card Debt Cover Rising Costs At The Pump And The
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Grocery Store
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Fund Long-term Care, Medical Expenses, Or Emergencies
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Pay For Home Improvements
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HOW IT WORKS
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Homesafe second loans you a portion of your home equity via a second Mortgage. There are no additional monthly mortgage payments required Until you leave your home, stop paying property charges, or do not meet The terms of the loan. The balance of your loan will grow over time. When you leave the home, you or your heirs will be responsible for paying Back the loan, which can be settled with the sale of the house but the Amount owed on the second mortgage will never amount to more than the home's value.
Why Choose Ray Sedighi?
With Ray, you receive one-on-one attention and a tailored approach to your reverse mortgage needs. Whether you’re exploring this option for the first time or looking for guidance on the process, Ray’s goal is to make your experience seamless and stress-free.
Expert Guidance
Over 36 years of industry experience.
Personalized Solutions
Recommendations based on your unique financial situation.
Free Consultations
Helping you make informed decisions with no obligation.