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James McCarron

Home Equity Conversion Mortgage Specialist

NMLS# 134401


4 York St., Ste. 3, Taneytown, MD 21787

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About Me

James L. McCarron, Jr. CSA

Home Equity Conversion Specialist

NMLS #134401

4 York Street, Suite 3

Taneytown, MD 21787

Phone: 410-756-5006

Mobile: 410-804-4898

Fax: 410-756-3444

Email: [email protected]

Using home equity to help you plan for the future is something often overlooked by Married couples, individuals, real estate professionals and wealth managers alike. I’m big on planning, and this is one planning tool you really should consider. If you or you’re client is 62 or older, I can show you how to unlock a tool box that will allow you to live comfortably in retirement, sell more homes, higher value homes and at the same time allow your client to retain a larger portion of their departure home’s equity. Recent changes in the FHA backed “HCEM” reverse mortgage program make it even more advantageous to purchase a new home with a HECM reverse mortgage (H4P). Whether you or your client is “downsizing” or “upsizing” this amazing tool may quickly qualify your buyers for their dream home! Contact me today to hear how a reverse mortgage can help your client use home equity to improve the quality of life. As a Certified Senior Advisor (CSA). I am a member of a network of senior service providers encompassing all areas of senior need and support.

About Me

Started in the mortgage business in 2002
Certified Senior Advisor (CSA)
Member of Financial Planners Assoc.
Retired early from Southern States Co-op as District Manager after 35 years
Involved in local politics 35 years; I just complete my fourth term as Mayor of Taneytown, MD
Graduated U of MD, College of Agriculture
Certificate from the VA Tech Ag Lenders School
Served a State President of the Maryland Municipal League , Chair Legislative Committee, Chair Communication Committee
Served on Governor’s Committee on Smart Growth
Currently serving on the Governor’s Intergovernmental Committee on Agriculture & Carroll Co Commission on Aging & Disabilities
Served on the BOD for the Maryland Retailers’ Assoc.; Served multiple terms as Legislative Committee Chair
Carroll Co Commission on Aging & Disabilities
Member Carroll Co. Aging in Place (AIP) sub-Committee
Active in my church and serve as a lector, director of Christian initiation, Liturgy Committee Chair & past Sr. High Sunday school teacher
Member of the Knight of Columbus
History Buff, (esp., War Between the States)
I have four children, 12 grandchildren, 1 great grandson
Married to my wife Myra for 53 years
Lived in Taneytown (York St) for 36 years

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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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