About MeJim Warns
Reverse Mortgage Specialist | NMLS# 506555 | 1-804-714-8007
Areas of Expertise
- Reverse Mortgages
- JUMBO Reverse Mortgages
- Reverse Mortgage Refinances
- Proprietary Reverse Mortgages
- The HECM Program
- HECM to HECM Refinances
- Financial Advisor Education & Business Growth
Jim has been in the mortgage industry for more than 20 years, and owned his own mortgage brokerage company for 10 years before making the decision to focus exclusively on reverse mortgages in 2008.
He gives Continuing Education (CE) presentations on reverse mortgages to financial planners as well as Virginia insurance agents and attorneys. He has also presented on the subject to various community organizations and teaches three recurring classes for senior consumers at a local Lifelong Learning Institute in Chesterfield County, Virginia.
Jim is a past Vice-Chair and Chairperson of the Chesterfield Council on Aging, a founding board member and past Education Director of the RVA Better Aging Forum, a board member of the Central Virginia Chapter of the Financial Planning Association and an active member of several other senior service-oriented organizations.
Jim holds both undergraduate and graduate degrees in business from The College of William & Mary and lives in Richmond, Virginia.
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
“Without a doubt, Jim KNOWS reverse mortgages. As important as his knowledge is his willingness to assume a fiduciary’s duties of care and loyalty; i.e., he puts his clients’ (e.g., my) interests ahead of his own —something he isn’t required to do.”
“It was a pleasure to work with Jim from first to last, with confidence in his knowledge and professionalism.”
“Jim expertly guided us through the application process, answering all of our questions and handled everything most capably, right on through closing on the reverse mortgage loan. Your future clients would be well served by other referrals from your office to Mr. Warns.”
“Jim’s manner and knowledge of the reverse mortgage process instilled confidence in me. I never doubted that I was doing the right thing because he explained everything so well”
“It only takes a minute to say Thank You, but my appreciation and gratitude for you will last a lifetime! Mr. Warns, you gave me enough guidance, without telling me what to do but encouraged me to do what was best for me. Thanks so much, Mr. Warns.”
“Jim - Thanks so much for all your help. I will recommend to all my friends.”
“I’m thanking you for your hard work, kindness and patience in working with me. I couldn’t have found a better person to work with.”
“Thank You for assisting my Aunt and Uncle with initiating a reverse mortgage. It gave my Aunt a lot of peace of mind to know those resources were available should either of them need increased caregiving support as they aged.”
“Jim was very familiar with all of how the process would work. Always available for any question I may have had.”
“I appreciated Mr. Warns' patience with me through the entire process. He answered questions quickly and thoroughly. He went beyond my expectation.”
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