Unlock the Equity in your Home- Live a better Retirement
Millions of seniors have secured a better financial future with a Reverse Mortgage.
Mark Kutscher
NMLS #2574346
Serving 49 States (all except North Carolina)
Powered by powered by Texana Bank – NMLS #407536, an Equal Housing Lender. Mark Kutscher is not an agency of the federal government or acting at the direction of HUD/FHA. Programs, rates, terms, and restrictions are subject to change without notice. Underwriting terms and conditions apply."
"As I once served as a Naval Officer, I now serve Seniors to live the retirement of their dreams."
ABOUT Mark
“A reverse mortgage isn’t about giving up your home—it’s about securing your future. You remain the homeowner, you stay on the title, and you can live in your house as long as you want. The bank doesn’t take your home; instead, it allows you to unlock the equity you’ve built and turn it into financial freedom. With federally insured protections, clear rules, and my guidance as a licensed reverse mortgage specialist (NMLS #2574346), you can eliminate monthly mortgage payments, reduce financial stress, and enjoy retirement with peace of mind—without ever losing control of your home.”
I am a senior Navy Veteran Reverse Mortgage Specialist. I am also a member of the National Aging In Place Council. I have experienced first hand how a Reverse Mortgage can:
Eliminate monthly mortgage payments
Provide tax-free funds you can use however you choose
Stay in your home for life
Travel
Help children and grandchildren
Stop worrying about money,
Start living a better retirement!
WHAT WE OFFER
Reverse Mortgage Solutions
Eliminate Monthly Mortgage Payments
Allows seniors to pay off an existing mortgage.
Frees up monthly cash flow to cover living expenses.
Reduces financial stress for those on fixed budgets.
Access to Tax-Free Cash
Provides lump-sum, monthly payments or a line of credit.
Can be used without triggering income taxes. (consult tax advisor).
Offers flexibility for emergencies or planned expenses.
Fund Home Repairs & Aging-in Place Upgrades
Pay for modifications like ramps, stair lifts, and walk-in showers.
Improve safety and accessibility.
Help seniors remain in their homes longer
Cover Healthcare Costs
Pay for in-house care, medical equipment, or long-term care insurance.
Avoid draining retirement accounts for sudden medical expenses.
Supplement Retirement Income
Create an additional income stream without selling investments.
Helps bridge gaps in Social Security or pension benefits.
Can delay taping into other retirement accounts to maximize growth.
Pay off Debt
Eliminate high-interest credit card balances.
Consolidate personal loans or medical debt.
Reduce monthly obligations.
Provide a Safety Net or Emergency Fund
Establish a Reverse Mortgage Line of Credit that grows over time.
Access funds only when needed, preserving savings.
Fund Travel & Lifestyle
Pay for vacations, hobbies or visiting family.
Improve quality of life without depleting other assets.r
Assist children or grandchildren with education, home purchases, or financial needs.
Provide early inheritance while you are still alive.
Reverse for Purchase
Buy a new home or condo without monthly mortgage payments.
Downsize, move closer to family, or relocate to a more suitable home.
Protect other investments
Avoid selling stocks or retirement accounts during market downturns.
Use reverse mortgages funds while investments recover.
Maintain Ownership & Control
Retain the title to the home.
Decide how and when to use the funds.
3 Easy Steps to a Reverse Mortgage
Step 1: Learn Your Options
Talk with a licensed reverse mortgage professional (like me) to review your eligibility.
You'll get a personalized estimate of how much tax-free cash or monthly income you could receive.
Step 2: Apply & Appraise
Complete the application and schedule a home appraisal. The appraisal confirms your home's value, which determines how much you tax-free cash is available.
Your lender then processes the paperwork and ensures everything meets federal guidelines.
Step 3: Close & Access your funds
At closing you sign the final documents. Then you can access your funds as a lump sum, monthly payments, a line of credit--or a combination.
Best of all, you keep ownership of your home and enjoy no monthly mortgage payments.
Do You Have Questions? Here is a list of 'Frequently Asked Questions' seniors ask about a reverse mortgage.
Reverse Mortgage FAQs for Seniors
What is a reverse mortgage?
A reverse mortgage is a special type of loan that allows homeowners aged 62 or older to convert a portion of their home equity into tax-free cash—without having to sell their home or make monthly mortgage payments.
Do I still own my home?
Yes. You remain the owner of your home, and your name stays on the title. The lender only places a lien against the property, just like with any traditional mortgage.
When do I have to repay the loan?
The loan becomes due when the last borrower permanently moves out of the home, sells the property, or passes away. At that time, the home can be sold to repay the loan, and any remaining equity belongs to you or your heirs.
What can I use the money for?
Funds can be used for almost anything:
Covering day-to-day living expenses
Paying off existing mortgages or debts
Making home improvements for aging in place
Take your dream vacation
Help children or grandchildren while you are still alive to enjoy the giving
Rightsizing by buying a single story home or condo
Supplementing retirement income or protecting investments
Covering healthcare costs
Are there restrictions on how I receive the money?
No. You can choose from several options: a lump sum, monthly payments, a line of credit, or a combination—depending on what works best for your retirement plan.
What are my responsibilities as a homeowner?
You must continue to:
Pay property taxes
Maintain homeowner’s insurance
Keep the home in good condition (Failure to do so could put the loan at risk.)
How will a reverse mortgage affect my heirs?
When you pass away, your heirs can decide whether to repay the loan and keep the home, or sell the home and use the proceeds to repay the loan. If the home sells for more than the loan balance, the extra money goes to your heirs. If it sells for less, FHA insurance covers the difference—your heirs will never owe more than the home’s value.
Do I need to talk with a counselor?
Yes. The government requires you to meet with an independent HUD-approved housing counselor before taking out a reverse mortgage. This ensures you fully understand the loan, your responsibilities, and your options.
How can a reverse mortgage improve my retirement?
A reverse mortgage can provide:
Extra monthly cash flow
Protection against running out of savings
The ability to stay in your home longer
Peace of mind knowing you have access to tax-free funds when you need them
Seniors that changed their retirement with a Reverse Mortgage:
Real Testimonials
Bill & JoAnn — Relocating with Financial Flexibility
After years as snowbirds, Bill (77) and JoAnn (75) sold their Wisconsin home and used a HECM for Purchase to finance a Scottsdale, AZ condo.
They paid only $300,000 upfront, allowing them to preserve $75,000 in cash for living expenses or reinvestment—without worrying about monthly mortgage payments.
The reverse mortgage gave them the freedom to live without payment obligations, with remaining equity available to them or their heirs when the loan is repaid.
Jack & Kathy — Downsizing and Retaining Wealth
At 75 and 71, Jack and Kathy decided to downsize from their large home. They sold it with about $750,000 net in equity.
They bought a $500,000 condo, using $300,000 of their home sale proceeds and a reverse mortgage for the rest.
This strategic move allowed them to preserve $450,000 for future expenses or investments, while freeing up cash flow by eliminating mortgage payments.
Mary S., 72, Retired Teacher – Columbus, OH
"After my husband passed away, I felt overwhelmed trying to keep up with the mortgage payments on our home. Every month, a big portion of my Social Security check went straight to the bank, leaving very little for groceries, medical bills, or even visiting my grandchildren.
With Mark’s help, I discovered that a reverse mortgage could completely eliminate my monthly mortgage payment while allowing me to stay in the home we built together. The relief was immediate—I finally had breathing room in my budget. Today, I’m able to afford small home improvements, cover rising medical costs, and still set aside money for family trips.
What I once saw as a financial burden has now become my greatest asset. The reverse mortgage gave me the freedom and peace of mind I needed to enjoy this stage of my life.”*
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