In addition to reverse mortgages, FSI Mortgage provides residential mortgage loans, lines of credit and FHA and VA loans. Since we do not work for any one lender, but rather a variety of lenders, we help to determine the loan that best fits you,
If you are considering a reverse mortgage and are looking for a company you can trust, you could turn to a company I trust: FSI Mortgage in Murray. I trust this company because we have investigated this company’s background, and the way they treat their clients. As a result, I am proud to endorse and stand by FSI Mortgage, and declare them Gephardt Approved.
“I have never had an unhappy client,” declares owner Sabra Richins.
Indeed, our investigation was rather thorough into FSI Mortgage largely because of the state and federal controversies involved in the reverse mortgage industry. We went out of our way to investigate not just records, but also I traveled to talk to officials, both on and off the record, to find out what they think of FSI Mortgage. I could not find one complaint. Further, regulators who are prohibited from endorsing or favoring any one company over another talked to me off-the-record. One told me, “I’ve been dealing with (FSI Mortgage) for a long time and I have no complaints.” Another told me, “This is a credible organization, and I’ve never had anyone complain about them.”
“I’m here for the long haul,” Sabra told me. “I’m not here to make a ton of money on a couple of deals. I am continually building a client base that will bring in sons, daughters, neighbors, relatives, family and friends.”
A reverse mortgage is a way for homeowners to collect income from the equity they have put into their homes. Not everyone can participate. There are specific rules and requirements for anyone who wants a reverse mortgage. The first rule is you must be 62 years old, you must own your home outright, or carry a mortgage small enough to be paid off by the proceeds. Also, according to the AARP (American Association of Retired Persons), generally speaking, a reverse mortgage holder must continue to pay their home’s annual taxes, property insurance, and maintenance. Defaults often happen when the home’s equity has expired and there’s no money left to pay those ongoing expenses.
That’s not the result Sabra Richins says she allows for any of her clients. “We’re not ‘cookie-cutter’ loan officers. We tailor make each reverse mortgage loan to fit an individual.”
“Our whole office is that way,” says Sabra. “Our clients become our friends. People ask us all sorts of things not related to mortgages, like medical and legal advice. We have experience, and we’re comfortable talking about anything.
“When I select the people to work with me, I’m not looking for people who just want to get paid. I want people who will be loyal to our clients. I really have a great group. (Denise Serr: licensed, zero complaints, zero court actions, zero administrative actions; Craig Pendleton: licensed, zero complaints, zero court actions, zero administrative actions). These loan officers are good people. The result here is longevity for all these loan officials who work with me.”
So, there you go: FSI Mortgage in Murray. Now you know what our rather extensive investigation has revealed about this company, its owner, and its associates. Now you know what I know about this company, you know why I trust FSI Mortgage, why I am proud to stand by this company, and declare FSI Mortgage as Gephardt Approved.
~ Bill Gephardt
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