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Dennis Graves

Home Equity Retirement Originator

NMLS #297191


641 Fulton Ave. Suite 200, Office #209
Sacramento, CA 95825

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About Me

I joined the United States Navy in 1976 and was honorable discharged in 1980.  Upon discharge I spent 25 years within the retail floral industry.  My wife and I owned three flower shops during that time and sold our last floral shop in 2005.

At the time of selling my last floral shop I become a mortgage advisor for a small mortgage bank in Sacramento, CA.  In 2006 a family member had an elderly uncle, 96 years young, that needed some additional income to help cover the cost of monthly in-home care.  I had recently been introduced to the concepts of reverse mortgages and thought this might be the best option for this borrower. Using the HECM monthly tenure payment the homeowner was able to pay for his in-home care and was able to set aside portion of the monthly proceeds into a savings account.  It was then that I found my new passion in life to serve seniors and assist them with being better prepared for life’s financial challenges.

Unlike those early days where a reverse mortgage was viewed more as a loan of last resort, homeowners today and their financial advisors now see the value in utilizing home equity to protect retirement.  With most seniors living much longer the need for protecting all retirement assets has never been more critical.

With the support of a strong team here at Mutual of Omaha Reverse Mortgage, I’m able to serve senior homeowners throughout the country.

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Jack & Diane | Help Your Customers Upsize with a Lifestyle Home Loan

Tom & Sarah | Buy Your Dream Home in Retirement with a Lifestyle Home Loan

Mark & Linda | Achieve Financial Security in Retirement with a Reverse Mortgage

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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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