Colorado’s First Certified Reverse Mortgage Specialist  - (303) 467-7821

Reverse Mortgage Blog

Reverse Mortgage Math - How is the loan amount calculated for a reverse mortgage?

Bruce Simmons - July 31, 2018
Reverse Mortgage Math - How is the loan amount calculated for a reverse mortgage?

Some people think that reverse mortgages are complicated in the way the loan amount is calculated.  While it is different than a regular mortgage, it is not complicated.  ..

How Do Rising Interest Rates Affect Reverse Mortgages?

Bruce Simmons - April 04, 2017

Last month the Federal Reserve raised the federal funds rate for the third time in just over a year. There is talk among some economists that they will raise it another two to three more times in 2017. ..

How Do Adjustable Rates Work on Reverse Loans?

Bruce Simmons - October 26, 2016

Reverse Mortgage loans offer a choice of fixed or adjustable interest rates. There are pros and cons to both choices but the adjustable rate offers homeowners much more flexibility. ..

Lower Upfront Fees or Lower Interest Rate?

Bruce Simmons - March 22, 2016


Annually Adjusting Rate vs. Monthly Adjusting Rate

Bruce Simmons - September 15, 2015

Looking into reverse mortgages, you will quickly learn that there are three interest rate options available: ..

A Fixed-Rate Reverse Mortgage Line of Credit

Bruce Simmons - April 15, 2014

Reverse mortgages work just like other mortgages in the way that they are securitized once the loan is closed. ..

What Rising Interest Rates Mean For You

Bruce Simmons - July 02, 2013

Interest rates are rising. What does that mean if you are considering getting a re-verse mortgage? ..

The Reverse Mortgages Made Simple Show

Bruce Simmons - June 25, 2013

Have you ever wished that you could listen to someone talk for an hour about reverse mortgages? Woo Hoo! Today is your lucky day because your dream is coming true! ..

How does the Reverse Mortgage LOC Work?

Bruce Simmons - March 05, 2013

With the elimination of the “Standard Fixed Rate” reverse mortgage taking place on March 31st, I would like to continue explaining how the adjustable rate reverse mortgage works. ..

Reverse Mortgage Adjustable Rate Details

Bruce Simmons - February 05, 2013

As expected, FHA announced at the end of January that they are eliminating the “Standard Fixed” rate program. This option offers the most money on a fixed rate. The good news is that it will not take effect until April first. The tone of previous FHA comments was that it would take place immediately. Luckily, that is not the case. ..


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Contact Info

Bruce Simmons Reverse Mortgage Specialist

American Liberty Mortgage, Inc.
Bruce E. Simmons, CRMP
Reverse Mortgage Manager
NMLS #409914

1932 W 33rd Ave
Denver, CO 80211

Direct: (303) 467-7821
Cell: (303) 513-2748
Toll Free: 1-877-467-7801

Fax: (303) 600-7871

Licensing: Colorado LMB #100036937 // American Liberty Mortgage, Inc NMLS #1462
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