Legal, Financial & Professional Services

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Pivotal Consulting

www.pivotalconsulting.co
(510) 332-4873
1070 Calle Largo
Santa Fe, NM 87501

We are passionate about helping organizations, and the people who work within them, become healthier and more effective. We provide consulting and training services to leaders and their teams who want to improve teamwork, clarity, communication and consistency within their organizations. We care about our clients, their teams and their success just as we care for our own.

Founded in 2007 as a training company focused on burn-out prevention for healthcare professionals, we have since grown to work nationally and internationally throughout the industry spectrum.

Please contact us through our website or call 510-332-4873

Mortgage Partners - Santa Fe
John Ruybalid, reverse mortgage specialist

Mortgage Partners Santa Fe

Ruybalid, Reverse Mortgage Specialist
NMLS#201470

www.nmreversemortgage.com
505-690-1029
jruybalid231@gmail.com

417 E. Palace Avenue, Suite C,
Santa Fe, NM 87501

My goal is to help homeowners, 62 or older, improve the quality of their lives with a reverse mortgage. The programs that I offer 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 get 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. If it is upside-down, the Mortgage Insurance Fund through FHA pays any deficiency. I am always happy to prepare a free, no-obligation proposal.

Best way to reach me: phone or email

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Claudia M. Phillips
New York Life

Providing financial insurance (for example: life insurance, long term care, guaranteed lifetime income) and investments (for example: Individual Retirement Accounts, 529 college savings plans, rollovers)  for individuals, families and small business owners. Claudia M. Phillips is an advisor to and advocate for her clients.

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