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Cynthia Kerstiens

Home Equity Retirement Specialist

NMLS# 1219186

1-812-370-0482

3131 Camino Del Rio N, Suite 190, San Diego, CA 92108

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About Me

As a full-time Reverse Mortgage Specialist for over 8 years, I dedicate my career to helping folks aged 62+ safely access their home’s equity using the Home Equity Conversion Mortgage (“HECM”).  This is an FHA insured loan program that is regulated by HUD – so there’s nothing scary about it.  The HECM has been in existence since 1988 and was developed under the Ronald Regan Administration.  It was created in part to help seniors live a more comfortable lifestyle and have more financial security.

 

Much of my business comes from referrals from Financial Advisors who have confidence in referring their clients to me.  They recognize the impact the HECM can have on their client’s portfolio, in that:  1) It helps improve asset longevity, minimizes sequence of returns risk, preserves assets, can quickly cover unexpected expenses, and, by leveraging their equity, it can allow their clients to do other things with the money.

For those seniors who are looking to move to “right size” or live closer to family, there is a loan program designed specifically for this: it’s called the “Lifestyle Home Loan.”  You only make one down payment, you never have a mortgage payment for as long as you live in the home, and it is your primary residence.  Using this program doesn’t tie up the cash proceeds from the sale of your current home.  Ask me for more information.

 

I reside in Fishers, Indiana, however, I can help all referral sources, their clients, and homeowners nationwide.

When not working, I enjoy spending time with my fiancé Skip, my 3 beautiful children (Savannah, Anya, and Tommy), and with close friends.  I am a health enthusiast and stay active playing pickleball, racquetball, I am a spin instructor, and anything else that provides the opportunity to exercise.

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Common Examples of What a HECM Can Help You Do

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