Legal, Financial & Professional Services
Reverse Mortgage Consultant at Longbridge Financial, LLC
John Ruybalid, Reverse Mortgage Consultant
NMLS#201470
www.nmreversemortgage.com
(505) 690-1029
jruybalid@longbridge-financial.com
231A County Road 84,
Santa Fe, NM 87506
My goal is to help homeowners, 62 or older, improve the quality of their lives with a reverse mortgage. The products that I educate seniors on are federally insured Home Equity Conversion Mortgages. Some uses of reverse mortgages include paying off an existing mortgage to improve cash flow, creating a funding source for in-home care, or simply establishing a line of credit for future needs, thus creating peace of mind. The number-one misconception is that the lender automatically gets the house when the borrower(s) die. This is not true. The heirs can sell the house, pay off the loan and keep the remainder, or they can refinance the house and keep it. The reverse mortgage is insured by the FHA. This insurance means that you or your heirs will not be required to repay more than the value of the property, even if your home was to drop in value.
Best way to reach me: phone or email
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As the first independent trust company in New Mexico, established in 1994, we use our innovation, experience and flexibility to meet your needs — whatever they are! In fact, we pride ourselves in finding creative solutions for our clients. We think we do this better than anyone else.
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Driven by a go-getter attitude and boundless enthusiasm, Mona specializes in assisting seniors through life transitions, especially downsizing scenarios. Committed to exceptional client service, she ensures all real estate needs are met with professionalism and care. Beyond her career, Mona's certification as a Beekeeper adds a unique touch to her personality, guaranteeing every transaction is handled with expertise and curiosity.
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Our goal is to reduce the stress that accompanies life planning and life crises. We know that your situation is unique, and we tailor our approach to fit your specific needs. We also know that families are complicated and that a dispute among family members can bring disastrous results for generations. The attorneys of PBWS Law are here to be your trusted advisors to help you find the way forward.