Bryan Bergjans

CERTIFIED FINANCIAL PLANNERS/ADVISORS: “What Advisors Should Know When a Retiree Relocates” will be our next FREE webinar of the Series on December 19th. at 2:00 p.m. EST. We are offering several webinars on how to apply Reverse Mortgages and "sequence of returns" to your clients’ portfolios; a great way to diminish loses and grow their investments. After the webinar, 1 credit will be applied towards your CE. Please, contact me via LinkedIn, by e-mail at: [email protected] or by phone (914) 393-9600 to register and/or more information. Many financial advisors are considering Home Equity to help safeguard and improve their client’s retirement outcomes. Often serving as a client largest asset, strategically accessing home equity with a Reverse Mortgage may: • Manage long-term care risks.  • Bridge gaps to maximize social security.  • Eliminate a mortgage payment and strategically utilize Home Equity. • Fund legacy strategies and more.  • Long-term care planning, paying taxes on Roth Conversions, Cash Flow management. • Learn the reverse mortgage cost, borrower eligibility, requirements and consumer protection. In this webinar for Financial Advisors, you will learn how a reverse mortgage works, and how to incorporate it into your planning practice. Presented by Phil Walker, Vice President of Retirement Strategies Division at HighTech Lending, Inc.  This class is eligible for 1 CFP CE credit. Personal NMLS ID #: 7734 – Company NMLS ID #: 1953154 #seniorcitizen #seniorservices #seniors #reversemortgage #reversemortgages #reverseretirement #financialfreedom #financialadvisor #financialplanning #financialindependence #financialadvisor #financialplanner #elderlaw #divorceattorney #willsandtrusts #realestate #realestateplanning #relocation #homedownsize #homeownership

Mortgage Loan Officers & Branch Managers: Don’t skip a beat when switching to Geneva Financial! ✨   Our streamlined transition process ensures that you keep your momentum and have full support from our team every step of the way, both during and after the switch. 🙌   Visit JoinGFI.com to learn more and register for our next Discovery Day webinar!    #MortgageProfessionals #Mortgage #JoinGFI #MortgageMarketing #MortgageTechnology

Certified Financial Planners/Advisors: Next Free webinar of the Series will be on June 20th. 2024 at 2:00 p.m. EST: “What Advisors Should Know when a Retiree Relocates”. We are offering several webinars on how to apply Reverse Mortgages and "sequence of returns" to your clients’ portfolios; a great way to diminish loses and grow their investments. After the webinar, 1 credit will be applied towards your CE. Please, contact me via LinkedIn, by email at [email protected] or by phone (914) 393-9600 to register and/or to find out for more information. The combination of rising inflation and volatile investment markets, has many financial advisors considering home equity to help safeguard and improve retirement outcomes. Often serving as a client’s largest asset, strategically accessing home equity with a reverse mortgage may: • Manage long-term care risks.  • Bridge gaps to maximize social security.  • Eliminate a mortgage payment.  • Fund legacy strategies and more.  • Long-term care planning, paying taxes on Roth Conversions, cash flow management. • Strategically utilize home equity. • Learn the reverse mortgage cost, borrower eligibility, requirements and consumer protection. In this webinar for Financial Advisors, you will learn how a reverse mortgage works, and how to incorporate it into your planning practice. Presented by Phil Walker, Vice President of the Retirement Strategies Division at HighTech Lending, Inc.  This class is eligible for 1 CFP CE credit. #seniorcitizen #seniorservices #seniors #reversemortgage #reversemortgages #reverseretirement #financialfreedom #financialadvisor #financialplanning #financialindependence #financialadvisor #financialplanner #elderlaw #divorceattorney #willsandtrusts #realestate #realestateplanning #relocation #homedownsize #homeownership

CERTIFIED FINANCIAL PLANNERS/ADVISORS: “What Advisors Should Know when a Retiree Relocates” will be our next FREE webinar of the Series on August 22nd. 2024 at 2:00 p.m. EST. We are offering several webinars on how to apply Reverse Mortgages and "sequence of returns" to your clients’ portfolios; a great way to diminish loses and grow their investments. After the webinar, 1 credit will be applied towards your CE. Please, contact me via LinkedIn, by email at [email protected] or by phone (914) 393-9600 to register and/or find out more information. The combination of rising inflation and volatile investment markets, has many financial advisors considering home equity to help safeguard and improve retirement outcomes. Often serving as a client’s largest asset, strategically accessing home equity with a reverse mortgage may: • Manage long-term care risks.  • Bridge gaps to maximize social security.  • Eliminate a mortgage payment.  • Fund legacy strategies and more.  • Long-term care planning, paying taxes on Roth Conversions, cash flow management. • Strategically utilize home equity. • Learn the reverse mortgage cost, borrower eligibility, requirements and consumer protection. In this webinar for Financial Advisors, you will learn how a reverse mortgage works, and how to incorporate it into your planning practice. Presented by Phil Walker, Vice President of Retirement Strategies Division at HighTech Lending, Inc.  This class is eligible for 1 CFP CE credit. #seniorcitizen #seniorservices #seniors #reversemortgage #reversemortgages #reverseretirement #financialfreedom #financialadvisor #financialplanning #financialindependence #financialadvisor #financialplanner #elderlaw #divorceattorney #willsandtrusts #realestate #realestateplanning #relocation #homedownsize #homeownership

Certified Financial Planners/Advisors: Next Free webinar of the Series will on May 9th. 2024 at 2:00 p.m. EST: “PREPARING FOR THE REBOUND – A NEW DISCOVERY IN RISK REDUCTION”. We are offering several webinars on how to apply Reverse Mortgages and "sequence of returns" in your clients’ portfolios; a great way to diminish loses and grow their investments. After the webinar, 1 credit will be applied towards your CE. Please, contact me via LinkedIn, by email at: [email protected] or by phone (914) 393-9600 to register and/or to find out for more information.   The combination of rising inflation and volatile investment markets, has many financial advisors considering home equity to help safeguard and improve retirement outcomes. Often serving as a client’s largest asset, strategically accessing home equity with a reverse mortgage may: • Manage long-term care risks. • Bridge gaps to maximize social security. • Eliminate a mortgage payment. • Fund legacy strategies and more. • Long-term care planning, paying taxes on Roth Conversions, cash flow management. • Strategically utilize home equity. • Learn the reverse mortgage cost, borrower eligibility, requirements and consumer protection. In this webinar for Financial Advisors, you will learn how a reverse mortgage works, and how to incorporate it into your planning practice. Presented by Phil Walker, Vice President of the Retirement Strategies Division at HighTech Lending, Inc.    This class is eligible for 1 CFP CE credit. #seniorcitizen #seniorservices #seniors #reversemortgage #reversemortgages #reverseretirement #financialfreedom #financialadvisor #financialplanning #financialindependence #financialadvisor #financialplanner #elderlaw #divorceattorney #willsandtrusts #realestate #realestateplanning #relocation #homedownsize #homeownership

The reasons you will get turn down for a mortgage loan in Kentucky.  There are several reasons why people in Kentucky might get turned down for a mortgage loan. These reasons can be broadly categorized into issues with the borrower or the property: Borrower-related reasons: Credit score: Low credit scores (generally below 620) are a major factor in loan denials. Having a history of late payments, delinquencies, or collections can negatively impact your score. Debt-to-income ratio (DTI): This ratio compares your monthly debt payments to your gross income. A high DTI (generally above 50%) indicates you have a lot of debt compared to your income, making it harder to afford a mortgage payment. Employment history: Lenders prefer borrowers with stable employment and income. Recent job changes, gaps in employment, or insufficient income documentation can raise concerns. Down payment: A smaller down payment increases the loan amount and loan-to-value ratio (LTV), making the loan riskier for lenders. In Kentucky, FHA loans require a minimum 3.5% down payment, while conventional loans typically require 20%. Insufficient assets: While not always a disqualifier, having limited savings or assets can weaken your application by reducing your financial cushion. Property-related reasons: Appraisal value: If the appraised value of the property is lower than the purchase price, it creates a high LTV, making the loan riskier for lenders. Property condition: Major repairs or structural issues with the property could require significant investment before closing, which lenders may not be comfortable with. Location: Properties in floodplains or other high-risk areas may be ineligible for certain loan types or require additional insurance.

Looking for down payment assistance? 🏡💡 The House Key Opportunity program by the Washington State Housing Finance Commission might be just what you need! This is another DPA program that helps qualified homebuyers with down payment and closing cost assistance, making homeownership more affordable and within reach. 🙌 Ready to learn more and see if you qualify? Let’s chat! #HomeownershipGoals #DownPaymentAssistance #WSHFC #HouseKeyOpportunity #FirstTimeHomebuyer #HomebuyingHelp #MortgageTips

If you’re in the military, getting new orders that require a move is not uncommon. Follow these four tips for a quick and efficient military move #MilitaryAppreciationMonth http://spr.ly/6042e85pq