Is  a Reverse Mortgage Loan Right for You?

Download a FREE Reverse Mortgage Information Kit

Like most Americans, you have probably been working years to build up the equity in your home. Why not let your home equity work for you! Download our FREE Reverse information kit and see if a Reverse Mortgage Loan is right for you!

What You'll Learn:

  • What a Reverse Mortgage is and How Much You Could Qualify For

  • The Most Common Uses of A Reverse Mortgage

  • The Financial Power of a HECM Line of Credit

  • How to use a Reverse Mortgage Loan to purchase your retirement home


Our specialty lies in educating seniors and pre-seniors on the advantages of using a HECM (Home Equity Conversion Mortgage). Fairways reverse mortgage loan programs are a way to turn a portion of the equity in your home into tax-free* cash without having to make mortgage payments. As long as all loan terms are met. It also has the potential to enhance your quality of life and depending on your situation, may help to extend a retirement plan.


Our team can show you how a reverse mortgage loan has the potential to help you gain financial independence from increasing living expenses. I am dedicated to making sure that my team responds quickly and compassionately to all parties involved. You and your loved ones are in great hands with us.

*This advertisement does not constitute tax advice. Please consult a tax advisor regarding your specific situation.


Home Equity Conversion Mortgage for Purchase (H4P)

Home Equity Conversion Mortgages (HECM)

Seminars & Classes


Home Equity Conversion Mortgages (HECM) Loans

Federally-insured reverse mortgage loan backed by the U. S. Department of Housing and Urban Development (HUD). If you qualify, HECM loans  would enable you to withdraw a portion of your home’s equity, which can be used for any purpose.

The Reverse Line of Credit (LOC)

 A regular home equity line of credit (HELOC) requires monthly payments, does not grow, and can be called due by the lender at any time. A reverse mortgage line of credit has a clear cut advantage over the HELOC, in that it has a growth option that applies to the unused funds. If you take this out at 62 rather than 82, and leave the funds to grow instead of using them, you could have a substantial credit line available in later years when you may need it most.

Home Equity Conversion Mortgage for Purchase (H4P)

An H4P (a type of HECM) enables qualified  senior homebuyers to purchase a new primary residence that better suits their needs and obtain a reverse mortgage in one transaction. You can use an H4P if you are able to use cash on hand to pay the difference between the HECM proceeds and the sales price plus closing costs for the property you are purchasing.

*Note: May not be available in all areas. Contact me for more details.

The Combination Home Equity Conversion Loan 

Your reverse mortgage lender will give you three options, lump sum, line of credit, or monthly cash flow payment. You are able to use a combination of those to fit your specific needs or wants. If your needs or wants change, as long as there is money available, you are able to change your disbursement option for a small, one-time fee. 

You can use any combination of the three different loan proceed options to fit your specific needs or wants.



“Our purchase transaction went extremely well and very timely, in fact, we closed earlier than expected. Our Fairway Loan Officer is such a hands-on servicer and his staff was extremely helpful all along the way. We were guided through the reverse mortgage process with knowledge and expediency. Fairway’s customer service is outstanding.“


— Bill & Delores T.


Workshops & Seminars with Joan

Check back after the new year and register for one of my local ONLINE events and NEW community senior education workshops!

Upcoming Home Equity Conversion Mortgage (HECM) Seminars

1. Would you like to remain in your home for as long as possible with no monthly mortgage payments, only paying taxes and insurance (and homeowners association dues, if applicable), and maintaining your home?

2. Would you like to potentially have extra cash to spend as you please?

If you answered yes to the above questions, you might be a good candidate for the HECM reverse mortgage loan program.

During this no-obligation informational seminar, we’ll share important details about today’s reverse mortgage loans. your current mortgage (if you have one) while retaining ownership of your home during the life of the loan.

You’ll learn how this loan can help you:

• Pay off during retirement.
• Convert a portion of the equity in your home into tax-free* cash to pay your bills and enhance your cash flow. 


Fairway Reverse Mortgage

19410 8th Ave. NE., Suite 103

Poulsbo, WA.  98370

Direct: 360-949-1595

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NMLS# 38002

Complaints may be directed to: (877) 699-0353 or Email us:                                   Privacy Policy           Terms of Use

Most, but not all, reverse mortgages today are federally insured through the Federal Housing Administration’s Home Equity Conversion Mortgage (HECM) Program. This advertisement talks about HECM loans only.


This advertisement does not constitute financial or tax advice. You should consult a financial and/or tax expert for your specific situation.Copyright©2020 Fairway Independent Mortgage Corporation (“Fairway”) NMLS#2289. 4801 S. Biltmore Lane, Madison, WI 53718, 1-877-699-0353. All rights reserved. Fairway is not affiliated with any government agencies. These materials are not from HUD or FHA and were not approved by HUD or a government agency.  Reverse mortgage borrowers are required to obtain an eligibility certificate by receiving counseling sessions with a HUD-approved agency. The youngest borrower must be at least 62 years old. Monthly reverse mortgage advances may affect eligibility for some other programs.This is not an offer to enter into an agreement. Not all customers will qualify. Information, rates and programs are subject to change without notice. All products are subject to credit and property approval. Other restrictions and limitations may apply.

Fairway Reverse Mortgage - Reverse Morgage with Joan

Location: 19410 8th Ave. NE., Suite 103 

                Poulsbo, WA. 98370

Ph. 360-949-1595

Opening hours 

Mon - Fri: 9am - 6pm

Sat - Sun: by appt. only


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© 2018 Reverse Mortgage Loans Kitsap WA, Fairway Reverse Mortgage Loans Kitsap County, Qvigstad Reverse Mortgage Team                                           Designed by Delphis Creative