Kathy McDonald

HECM Specialist NMLS# 260446

750 NW Charbonneau St.Ste. 205
Bend, OR 97703

About Me

Kathy McDonald
HECM Specialist | NMLS# 260446 | 1-541-921-8814
I have been providing retirees, baby boomers and professionals (for their clients) with home financing options since 2010, that are not very well known. I assist with home financing to purchase retirement dream homes, to refinancing them, to obtaining standby growing lines of credit. In some instances it is possible to purchase or refinance, while also having access to a standby growing line of credit. The growing line of credit is available regardless of the market or home values and cannot be frozen, cancelled or reduced. Professionals who assist retirees and baby boomers and are not aware of these options, need to see by using housing wealth conservatively, in conjunction with their strategies could assist retirees and baby boomers by helping to extend their retirement.

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


“After selling my home to downsize,I purchased my new home with some of the proceeds from my sale.The best part of all is after my down payment, I do not have a monthly mortgage payment! I was able to purchase more home than paying cash would have allowed. My realtor knew of this program & referred me to Kathy.I'm very glad my realtor knew of this program, because did not know this loan existed. ”


“My husband had retired and I was still working. I was reluctant to retire leaving the safety of having a full time income and besides, we still had a monthly mortgage payment. After meeting Kathy, she showed us how we could pay off our mortgage, eliminate our monthly mortgage payment and set up a growing line of credit to use in the future if we needed, which allowed me to retire with piece of mind.”

-Joe & Janet

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