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About Me

James McCarron
Home Equity Conversion Mortgage Specialist | NMLS# 134401 | 1-877-756-5006

Areas of Expertise

  • Reverse Mortgages
  • JUMBO Reverse Mortgages
  • Reverse Mortgage for Purchase
  • Reverse Mortgage Refinances
  • The HECM Program
  • Realtor Education & Business growth
  • The HECM for Purchase Program
  • Builder Education & Business Growth
  • HECM to HECM Refinances

James L. McCarron, Jr. CSA

Home Equity Conversion Specialist

NMLS #134401

4 York Street, Suite 3

Taneytown, MD 21787

Phone: 410-756-5006

Mobile: 410-804-4898

Fax: 410-756-3444

Email: jmccarron@mutualmortgage.com

Using home equity to help you plan for the future is something often overlooked by Married couples, individuals, real estate professionals and wealth managers alike. I’m big on planning, and this is one planning tool you really should consider. If you or you’re client is 62 or older, I can show you how to unlock a tool box that will allow you to live comfortably in retirement, sell more homes, higher value homes and at the same time allow your client to retain a larger portion of their departure home’s equity. Recent changes in the FHA backed “HCEM” reverse mortgage program make it even more advantageous to purchase a new home with a HECM reverse mortgage (H4P). Whether you or your client is “downsizing” or “upsizing” this amazing tool may quickly qualify your buyers for their dream home! Contact me today to hear how a reverse mortgage can help your client use home equity to improve the quality of life. As a Certified Senior Advisor (CSA). I am a member of a network of senior service providers encompassing all areas of senior need and support.

About Me

Started in the mortgage business in 2002
Certified Senior Advisor (CSA)
Member of Financial Planners Assoc.
Retired early from Southern States Co-op as District Manager after 35 years
Involved in local politics 35 years; I just complete my fourth term as Mayor of Taneytown, MD
Graduated U of MD, College of Agriculture
Certificate from the VA Tech Ag Lenders School
Served a State President of the Maryland Municipal League , Chair Legislative Committee, Chair Communication Committee
Served on Governor’s Committee on Smart Growth
Currently serving on the Governor’s Intergovernmental Committee on Agriculture & Carroll Co Commission on Aging & Disabilities
Served on the BOD for the Maryland Retailers’ Assoc.; Served multiple terms as Legislative Committee Chair
Carroll Co Commission on Aging & Disabilities
Member Carroll Co. Aging in Place (AIP) sub-Committee
Active in my church and serve as a lector, director of Christian initiation, Liturgy Committee Chair & past Sr. High Sunday school teacher
Member of the Knight of Columbus
History Buff, (esp., War Between the States)
I have four children, 12 grandchildren, 1 great grandson
Married to my wife Myra for 53 years
Lived in Taneytown (York St) for 36 years

Common Examples of What a HECM Can Help You Do

  • Purchase a new home to fit your lifestyle needs
  • Protect your retirement portfolio
  • Reduce monthly expenses by paying off existing mortgage
  • Reduce monthly expenses by paying debt
  • Enhance your cash flow
  • Incorporate housing wealth into your retirement plan
  • Create an emergency fund
  • Increase cash to help ensure monthly bills are paid
  • Fund for home repairs or upgrades
  • Reduce the burden of out-of-pocket healthcare costs
  • Fund the expense for caregivers, live-in nurses, or other in-home care
  • Have the cash for a large expense, such as a vacation or vehicle


“Thanks for helping us through the reverse mortgage process, you explained everything so well.”

-Charles Smith

“Warmest wishes for a wonderful 2017! Thank you for all of your help, knowledge and professionalism during the loan process and beyond. This is very much appreciated.”

-The Ogles

“You made the rough spots smooth!”

-Margaret Eckert

“Glad you stuck with us the reverse mortgage is just what we need.. Calvin is doing well.”

-Janet Carey

“Thank you for all the help you gave me and Dan.”

-Gloria D

“Thank you for helping us. We have not forgotten your kindness and time spent explaining to us the financial benefits.”

-Georgia S

“Thank you for coming to our house. I cannot say enough about how well you explained the reverse mortgage. You were nice and friendly . You explained everything to our satisfaction. You put our minds at ease and made it easy to understand.”

-Violet S

“Thanks for all you have done for me!”

-Doris H

“Thanks for making this process so painless!.”

-Jean C

“I want to thank you for you sincerity and knowledge. Those made a difficult occasion easy!”

-Eugenia S

See what our customers are saying

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