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Mel McLeod

Home Equity Retirement Originator

NMLS# 1849034


216 Lovorn Circle, Warner Robins, GA 31088

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About Me

Looking for something to buffer the ups and downs of the markets?  Many retirees are asset rich, but sometimes monthly income falls a little short or perhaps accessing investment assets is not the best option in a falling market. The Home Equity Conversion Mortgage (HECM) can serve as a great buffer alternative because, in its simplest form, it is a line of credit configured using a small portion of the equity in the home.  The line of credit portion actually grows in borrowing capacity over time, providing a fantastic cash reserve for the later years; and as with any line of credit, you are not in debt until you advance funds from it.  Payments are optional which gives you control over your monthly cashflow.

Looking to move to a new home?  You may be looking to re-size your current home to a more appropriate home.  The Lifestyle Home Loan (or HECM for Purchase), may be the way to go.  Put approximately 65% down on a new home from the proceeds of the sale of your current primary home, and invest the rest.  No mortgage payment.  Debt payment to income calculations are solved!  And now your home feeds your retirement while your other assets and investments are given a chance to recover and grow.


My Story:

I am originally from Canada, but middle Georgia is where my husband works on the Robins Airforce Base.  I proudly serve clients in the middle Georgia area, specifically Warner Robins, Macon, Columbus, Perry, Tifton, Dublin, Albany, Savannah, Valdosta and beyond to Florida, South Carolina, Alabama and Texas.  Because I’m located in Warner Robins, most areas from north Atlanta to south Georgia are within a 2 hour drive.

Previous to joining Mutual of Omaha Mortgage, I enjoyed many years as a FINRA licensed banker for a large regional bank, assisting hundreds of wealth clients with planning out each of their unique cashflow, investment and debt decisions. The main financial goals of my clients are to 1) minimize taxes and 2) preserve investments assets. Now, years later, the HECM is the only solution for which I now consult. Please use me as a resource and let’s start a conversation.

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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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