WHAT OUR CUSTOMERS SAY
Celeste Deveney - I’m so glad this option is there for me
To Whom This May Concern,
If you’re interested in buying a home using a reverse mortgage loan to purchase, let me tell you about my experience but first let me say this: it was one of the best decisions I’ve ever made.
I worked with Paul Tollner of Golden Heritage Financial to get this loan during a hot market in June/July of 2021. House prices were going up and up every month. I knew it wouldn’t be long before I would be priced out of the market and would end up either buying something I didn’t really want, moving out of the region to someplace less expensive, or renting a small apartment until the market adjusted again. The latter option didn’t look likely. Fortunately, I had a settlement from my divorce, which made it possible to go with a reverse mortgage to purchase.
Paul came recommended to me by one of those friends who I always trust with referrals. She’s never wrong when she recommends someone for advice, or work or whatever. I met with Paul outside for coffee on morning (the pandemic still had things mostly closed up) in February or March, I think. He explained to me about a reverse mortgage loan to purchase.
I have to admit, it sounded too good to be true. Paul said that it was a mortgage that let someone who had enough money to put up half of the purchase price, and the mortgage company would put up the other half. The mortgage company would then pay my mortgage monthly. While it meant that I (or my estate) would end up owing on the mortgage in the end, it also meant that I could have a home of my own (while I was still young enough to enjoy it) and not have to worry about paying a monthly mortgage when I really couldn’t afford to do so.
That was my biggest fear – that I would get a mortgage and the economy would tank or I would be in some way incapacitated and unable to work. As it was, I only had a part time job and money was tight. But I had my nest egg divorce settlement, and on the strength of that and my part-time job income, Paul was able to get me a reverse mortgage loan to purchase.
The process went as smoothly as any other home purchase I’ve experienced (I’ve bought 2 homes previously) though some of the background checks were more thorough. Paul and his team helped me through every step. I’ll admit, it was kind of a scary process, especially for a divorcee who had to do it all by herself. But we worked ahead at getting pre-approved, figuring that I would start looking in earnest in early summer. I got pre-approved for a certain amount, so when my bid on my dream home was accepted, I was all set to go. Oh, there were still more approvals and hoops to jump through in order to get the loan, but there were no major snags.
Now I get to live in my own home. It’s a manufactured home in a 55+ community. Very safe. The HOA fees are reasonable and my neighbors are great. Best of all, I can actually afford to live here and don’t ever have to worry that I’ll be kicked out for missing a mortgage payment. As I said before, it was one of the best decisions I ever made.
I hope this helps whoever is reading it to feel a bit more secure in making what felt for me, like a scary decision. I never would have owned my own home without it, and I’m so glad this option is there for me.
Sincerely,
Celeste Deveney
Pam Clouse - Genuinely Compassionate
I want to share how grateful I am that Paul Tollner entered my life and helped me with a HECM reverse mortgage. My life was flipped upside down when my husband of 40 years passed away suddenly in 2016. One of my many worries was that I would eventually have to sell my home and move from this area. I had been curious about reverse mortgages and did a little research but was really hesitant (and scared) about making any steps in that direction.
I’ll never forget the first phone call I received from Paul. That conversation gave me hope that this could be the direction I could go, so I made an appointment to meet with him to learn more about it. I am so glad I did! It was a big step to make a decision like this on my own but Paul made it much easier than I expected it to be and I trusted him. He is so knowledgeable, was always available to answer questions and address concerns I would have, and never seemed bothered by me contacting him.
Paul was genuinely compassionate with my situation and by helping me through this process has given me peace of mind knowing I can afford to stay in the home I love. I learned so much through this whole experience and I also gained a good friend.
For anyone considering a reverse mortgage, I HIGHLY recommend Paul Tollner to help you!
Pam Clouse
Manda Jahan - Superbly capable!
Dear Mr. Samy Khoury,
Few months ago, you responded to my inquiry about your reverse mortgage program. Mr. Marcus Quintana called and visited me in my house as you described in your letter. I just wanted to thank you for referring him to me. He was superbly capable in the process of my case, he overcame every mishap with patience and solved problems with capability, knowledge, and persuasion. Today my work with him is finished and I wanted to thank you for introducing him to me.
I wish both of you success in the good work you’re doing.
Manda Jahan
Darlene Cohen - Service was great!
Service was great!
During a very stressful time in my life Marcus was wonderful and made all processing easy, He made sure I was provided the best loan available.
Darlene Cohen
Randy & Janet Simpson - We've gained a friend
“We have had the pleasure of working with Paul Tollner on our reverse mortgage.
Actually, it wasn’t really work at all. Paul was a calming force in the whole process. We have gained a friend who is concerned about our future and welfare. We have been in the sales industry for over 30 years and can assure you that Paul is a complete professional. At no time did we feel that Paul was selling us the program. On the contrary, he took the time to educate us about the procedure in a calm and relaxing manner.
He removed any anxiety we may have had by keeping us well informed with each stage of the process. We have, and will continue to recommend Paul to our family and friends. You should be thankful for having such a professional as Paul Tollner!”
Randy & Janet Simpson
Bruce Troth - My Experience With Paul Tollner
February 6, 2022
To Everyone Considering a Reverse Mortgage,
I’d like to share my experience with Mr. Paul Tollner of HighTechLeanding.
Paul entered my family’s life during our loss of my wife, Penny, after 53 years of marriage. Her passing was unexpected and devastating to us. Our family was in turmoil as you can imagine. Do we sell our home, relocate, the mortgage was a heavy burden without my wife’s income now what? Paul’s entry was due to a recommendation of a dear friend and coworker, and satisfied client of Paul’s. This dear friend suggested I talk with Paul about reverse mortgages because he had done hers, and I did.
Paul was very compassionate and caring. A pleasure to deal with and his help was immeasurable to our family and helping us with options other than selling and moving. He was diligent, timely, and on top of our application and processing. The application was approved and funded on Christmas Eve. This took so much pressure off our family that even with our great loss Christmas was made a little more enjoyable due in no small part to Paul’s hard work on our behalf and his caring and compassionate way he went about helping us. I can’t say enough about Paul’s excellence in his field along with his caring attitude.
I believe my friend and coworker and Paul are angles sent to me to help our family in a very trying time.
Without reservation I highly recommend Paul Tollner in his field of reverse mortgages.
Bruce Troth
Very Satisfied Client
Vicki Bulpin - Thank you for your help!
“Samy, thank you and Sal for all the help in getting my loan. You can use me any time for references!”
Vicki Bulpin
Jim & Sue Rose - Continues to take care of us
“Paul Tollner was outstanding! Even after we received our loan, he continues to take care of us. He’s great!”
Jim & Sue Rose
Gordon & Rebecca Sweatt - We couldn’t be happier!
“We not only got our reverse mortgage, but I feel we also made friends. From the moment Samy Khoury and Sal came out to meet us we were made to feel special. Sal called often to let us know what was happening, and even called during his trip to visit his mother who was so sick.
We couldn’t be happier. Everyone we met was very nice and helpful. I would do it all over again. They put up with us and we’re very satisfied. God bless all of you.”
Gordon & Rebecca Sweatt
Mario & Marianne Valenti - You did a great job!
“You did a great job!”
Mario & Marianne Valenti
Anonymous - most stress-free transaction of my life!
“Without question, this was the smoothest and most stress-free major financial transaction of my life!”
Anonymous
Important Disclosure
(1) the borrower remains responsible for property taxes, hazard insurance and home maintenance, and failure to pay these amounts may result in the loss of the home; and
(2) charges will be assessed with the loan, including an origination fee, closing costs, mortgage insurance premiums and servicing fees;
(3) the loan balance grows over time and interest is charged on the outstanding balance;
(4) at the conclusion of a reverse mortgage, the borrower must repay the loan and may have to sell the home or repay the loan from other proceeds;
(5) interest on a reverse mortgage is not tax-deductible until the borrower makes partial or full re-payment.
5 Important Things To Understand As You Consider A HECM Reverse Mortgage Loan
1
At the conclusion of a reverse mortgage, the borrower must repay the loan and may have to sell the home or repay the loan from other proceeds.
2
Charges will be assessed with the loan, including an origination fee, closing costs, mortgage insurance premiums and servicing fees.
3
The loan balance grows over time and interest is charged on the outstanding balance.
4
The borrower remains responsible for property taxes, hazard insurance and home maintenance, and failure to pay these amounts may result in the loss of the home.
5
Interest on a reverse mortgage is not tax-deductible until the borrower makes partial or full repayment.