Legal, Financial & Professional Services
Reverse Mortgage Professional at American Advisors Group
John Ruybalid, Reverse Mortgage Professional
NMLS#201470
www.nmreversemortgage.com
866-948-0003 ext. 8209, 505-690-1029
jruybalid231@gmail.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
Elevation Financial Group
Deborah J Trouw, CFP®
www.elevationfinancialnm.com
deborah@elevationsf.com
505-984-3856
Elevation Financial Group is a local family-owned business founded by Deborah J Trouw, CFP® in 2007. We are passionate about helping women feel empowered and in control of their finances. Creating a personalized financial plan is the cornerstone of our work with you; we use it to determine a path to help get you where you want to be. We support women through life events such as bereavement or a transition to assisted living. We also work alongside caregivers to manage the finances of their parents.