Kendra Pack

My Partner is an experienced mortgage broker and branch manager with Bloomfield Financial Services, Inc. He will negotiate with your lender to achieve a win-win result for you and your lender

Allow me to introduce you to my partner, Roy Malone. What a guy! He has helped hundreds of people save their home from foreclosure by mitigating with their lenders for mortgage modification or by negotiating a short sale. Loan modification allows a homeowner to "make a new start" on their mortgage, with a variety of modifications. Often times, the mortgage company will forgive a large part of their outstanding interest payments, escrow advances and even a portion of their principal balance. The modified mortgage can end up with a smaller balance owed, a new maturity date, a lower interest rate, or anything the lender is willing to do to help one keep their home with more manageable mortgage payments.

A short sale is one where the lender is willing to take a balance of less than what is owed to pay off the mortgage. This is an option when the property is over-leveraged as a result of declining area values and increasing interest rates caused by adjustable rate mortgages. A short sale allows a distressed homeowner to fulfill their obligation to their lender, while it helps the lender cut their losses by accepting a discounted payoff rather than having a non-performing property on their books. Besides the cost of eviction, securing the property, holding costs and renovation, the lender also saves the time it takes to market and sell the property in a declining market area.

We don't want to buy your home or prosper from your situation. We sincerely want to help you keep your home for you and your family. Put our expertise work for you and become another of our many happy clients.

You have many options in dealing with foreclosure and the unfortunate circumstance you have found yourself in. Let our professional staff help you! If we can't help you, we may have recommendations that can solve your financial problems. We often have solutions for meeting your financial obligation to your mortgage lender or bank. We will help allow you the time you need to become financially stable while improving your credit standing.

Time is of the Essence! Don't wait another day! Call Roy at 248-538-7474

Email Roy at roy@glscom.com

Visit our website at www.realproperty-investors.com/

Roy Malone, branch manager, licensed mortgage broker, has assisted many people in the following areas:

Oakland County: Farmington Hills, West Bloomfield, Ferndale, Royal Oak, Oak Park, Pontiac, Waterford, Highland, Holly, Walled Lake, Holly, Rochester, Wayne County: Detroit, Romulus, Garden City, Livonia, Taylor, Dearborn Heights, Inkster, Macomb County: Chesterfield, Warren, Utica, Eastpointe, Fraser, Macomb Twp, Richmond, Genesee County: Flint, Grand Blanc and more.

My current passion is working with seniors to help them improve their financial situation and change the way they see their retirement. There has to be more to life than working so you can pay your bills, have children, put them through college, so they can move out and pay their bills and have kids.....Did we forget something here? What about an enjoyable, yet restful retirement?

A reverse mortgage allows a senior, age 62 and over, to use the equity in their home to live a more enjoyable life of financial security, without having to make mortgage payments. Here are some of the common questions people ask me when they come in to discuss reverse mortgages:

Q: What happens to my house when I pass away?

A: If your spouse is also listed on the title to your home, he/she will be able to continue residing in the home and receiving the benefits of the reverse mortgage. If you do not have a surviving spouse, all equity remaining in the home will pass to your heirs. Your heirs can choose to sell the house or keep the home and apply for a traditional mortgage to finance the outstanding balance. In that situation, the lender will work with your heirs to help them decide how to proceed.

Q: Will I continue to own my home?

A: Yes. You still own your home since you retain the title. Financial Freedom Senior Funding Corporation can set aside proceeds from your reverse mortgage to ensure that property taxes and homeowner's insurance a repaid, should you choose that option. We can even help you set aside cash for future home repairs. Similar to most mortgages, as long as you continue to live in your home, keep up repairs, pay property taxes and maintain homeowner's insurance, you can stay in your home as long as you choose.

Q: Do I need to make any ongoing payments?

A: No. Unlike traditional mortgages or home equity lines of credit, you do not need to make any ongoing payments.

Q: Are there any out-of-pocket expenses associated with applying for a reverse mortgage?

A: No. All closing costs can be financed with the proceeds from the reverse mortgage.

Q: Are there any income requirements?

A: No, unlike a home equity line of credit, there are no income requirements.

Q: Do I lose any of my federal benefits by selecting a reverse mortgage?

A: Social Security and Medicare benefits are not affected. Supplemental Security Income (SSI) and Medicaid are not affected either, as long as all monthly advances are fully spent each month. Financial Freedom Senior Funding Corporation is happy to assist you in selecting the plan that will work best for you.

Q: Can I pay back the equity I've borrowed?

A: Yes. At any time you choose to increase the equity in your home, you can do so by paying all or a portion of your reverse mortgage.

Call Kendra Pack at 248-785-0133 to learn more reverse mortgages for seniors. This program can change your life by providing financial stability for an enjoyable retirement.

Visit our website at http://www.realproperty-investors.com/

Email Kendra at kpack@comcast.net

Kendra Pack, licensed real estate broker and mortgage loan officer, with over 15 years experience, has assisted many people in the following areas:

Oakland County: Farmington Hills, West Bloomfield, Ferndale, Royal Oak, Oak Park, Pontiac, Waterford, Highland, Holly, Walled Lake, Holly, Rochester, Wayne County: Detroit, Romulus, Garden City, Livonia, Taylor, Dearborn Heights, Inkster, Macomb County: Chesterfield, Warren, Utica, Eastpointe, Fraser, Macomb Twp, Richmond, Genesee County: Flint, Grand Blanc, and more.

All loans subject to approval, certain restrictions may apply

Is it really possible for seniors to purchase a 2-unit property, have no monthly payment, and use the rent from the other unit to supplement income?

Sure it is! Bloomfield Financial Services is offering an excellent program for seniors. If you are 62 years or older, we can get you into a 2-unit property. Renters are also welcome to apply for this program.

The reverse mortgage is a program unlike the traditional mortgage to purchase a home. Under a reverse mortgage, you do not make payments and you do not need income to qualify. You retain title to your home while the property is pledged to the lender as security for the loan. You continue to maintain the home, pay the taxes, insurance and any other costs that might create a lien on the property.

The money is yours to use as you see fit. Anything from a gift for a grandchild to major repairs and renovations to your home, or take a sight seeing vacation!

Call Kendra Pack at 248-785-0133 to learn more reverse mortgages for seniors. This program can change your life by providing financial stability for an enjoyable retirement.

Visit our website at http://www.realproperty-investors.com/

Email Kendra at kpack@comcast.net

Kendra Pack, licensed real estate broker and mortgage loan officer, with over 15 years experience, has assisted many people in the following areas:

Oakland County: Farmington Hills, West Bloomfield, Ferndale, Royal Oak, Oak Park, Pontiac, Waterford, Highland, Holly, Walled Lake, Holly, Rochester, Wayne County: Detroit, Romulus, Garden City, Livonia, Taylor, Dearborn Heights, Inkster, Macomb County: Chesterfield, Warren, Utica, Eastpointe, Fraser, Macomb Twp, Richmond, Genesee County: Flint, Grand Blanc, and more.

All loans subject to approval, certain restrictions may apply

If you are at least 62 years old and you do not owe the federal government any past due money, this program can change your life and offer you peace of mind

I've been active in real estate for over 15 years, as a broker and mortgage loan officer. My current passion is reverse mortgages for seniors. This is an amazing program for helping seniors to achieve financial stability while buying a new home or keeping the home they live in now.

With a reverse mortgage, you have no monthly payment. In fact, the mortgage company pays you a monthly payment! You have worked full time for 30 years or more; it's time to enjoy your retirement.

A reverse mortgage loan is a special type of loan that permits borrowers to convert some of the equity in their homes to cash. Instead of making payments to a lender, the lender pays you! A reverse mortgage helps to enable senior homeowners to enjoy a more secure retirement, make repairs to their home, to arrange long-term care and assistance and more, while living in their home for as long as they want to.

Reverse Mortgages are not for everyone, so Kendra Pack will explain your options and help customize a program that is well-suited to your individual needs. Don't hesitate-Call Kendra today at 248-785-0133. Email Kendra at kpack@comcast.net

Visit our website at http://www.realproperty-investors.com/index.html

Kendra Pack, licensed real estate broker and mortgage loan officer, with over 15 years experience, has assisted many people in the following areas:

Oakland County: Farmington Hills, West Bloomfield, Ferndale, Royal Oak, Oak Park, Pontiac, Waterford, Highland, Holly, Walled Lake, Holly, Rochester, Wayne County: Detroit, Romulus, Garden City, Livonia, Taylor, Dearborn Heights, Inkster, Macomb County: Chesterfield, Warren, Utica, Eastpointe, Fraser, Macomb Twp, Richmond, Genesee County: Flint, Grand Blanc and more.

Federally Regulated and Government Insured Program Designed for Seniors age 62 and over

Reverse Mortgages are an excellent way to access the equity in your home to pay off your existing mortgage and enjoy the peace of mind with a financially secure retirement. You can use the proceeds any way you wish. Maybe you need to make home improvements to your home, consolidate debt, pay for medical expenses, or simply to add to your present retirement income.

Under a reverse mortgage, you continue to own your home, with no monthly payments. This program, guaranteed by the Federal Housing Administration and funded by Fanny Mae, is a safe solution for your needs. With this FHA regulated program you are entitled to receive free independent counseling.

Available Cash Based on Home Value

Call Kendra Pack at 248-785-0133 to learn more reverse mortgages for seniors.

Email Kendra at kpack@comcast.net

Visit our website at http://www.realproperty-investors.com/

Kendra Pack, licensed real estate broker and mortgage loan officer, with over 15 years experience, has assisted many people in the following areas:

Oakland County: Farmington Hills, West Bloomfield, Ferndale, Royal Oak, Oak Park, Pontiac, Waterford, Highland, Holly, Walled Lake, Holly, Rochester, Wayne County: Detroit, Romulus, Garden City, Livonia, Taylor, Dearborn Heights, Inkster, Macomb County: Chesterfield, Warren, Utica, Eastpointe, Fraser, Macomb Twp, Richmond, Genesee County: Flint, Grand Blanc and more.

All loans subject to approval, certain restrictions may apply