Jody Smythe

HECM Specialist NMLS# 543231

279 Seabreeze Ct.
Inlet Beach, FL 32461

About Me

Jody Smythe
HECM Specialist | NMLS# 543231 | 402-290-7526 | 850-708-7995
Jody began in the real estate in 1975 in Iowa. In 1984 she transitioned to the mortgage banking field in Omaha, NE. In 2004 she began specializing in reverse mortgages to help her clients refinance their existing mortgage to improve their cash flow and reduce or eliminate debt. At that time a reverse mortgage was considered a “loan of last resort.” She soon realized that many retirees had done very little planning before their retirement. By taking the time to learn the finer points of retirement and estate planning she is better able to help her clients understand how a Home Equity Conversion Mortgage (HECM) works alongside their retirement plan. Although she does not hold herself out as a financial planner or attorney, her knowledge allows her to work with these professionals to utilize housing wealth as part of their overall financial goals.

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


“You are the BEST! I am so thankful that Riley put me in contact with you. You went above and beyond for me and I appreciate all the effort. A more than satisfied customer. ”


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