Reverse Loans aka… The Reverse Mortgage Loan

 How to get a reverse mortgage loan in Florida.

The most common loan for those over age 62 is quickly becoming the HECM or reverse mortgage loan. Some call it a reverse loan for short, but the technical term is definitely a Home Equity Conversion Mortgage or HECM.

This loan has gone through many changes over the years but unlike most government based programs this has gotten better for seniors instead of worse. Why? Well, they (HUD) has really made the laws and changes needed to protect seniors from the pitfalls this product once had.

As an example: Lets say you were 68 and you spouse 61. Back in the day, you would get the mortgage in your name only to maximize your cash flow as a 68 year old will get higher proceeds than a 61 year old. Actually, the 61 does not qualify but for simplicity, we won’t get in to that. Then, the unthinkable happens you hit 78, and die. Given you were the only person on that loan, the loan is due and payable but your spouse now 71 does not have the means or equity to repay it…. what does he/she do? Well, this was a issue but now this issue is no longer. HUD realized this was causing issues or surprises to seniors and made a new ruling. This ruling states both spouses have to be 62 or older if they occupy the home together and they both must be on the loan. This protects the spouse who lives longer to be able to stay in the home should the other die before them.



The beauty in a reverse mortgage is you never have to leave your home and can stay there until you die or choose to sell it. Of course, you must keep your taxes and insurance current while keeping the house in good repair but what senior doesn’t do this? The rules on this product continually change as HUD takes more and more measures to protect our seniors.

Often times government intervention is a bad thing. However, so far all the changes I have seen have been to protect the long-term interest of the seniors. I think this is a good thing. I hope this article has enlightened you regarding the reverse mortgage product. More importantly, I hope it has provided you with an extra measure of assurance that this product is safe and reliable for you and the ones you love.

Always feel free to visit my page at where you’ll find up to date videos and tips and tricks to help you understand reverse mortgages.



New MLM companies 2014 – Digisade Review

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That’s what we do and that is what we offer and that is why we feel our company will excel in this industry. As for new mlm companies in 2014, we feel digisade offers more than anyone.

Many people view us as a scam, well calling digisade a scam would be highly inaccurate given i actually produces digital coins 24/7.  You can get a review at this digisade review page.

The other digital currency programs are more specific to a coin than to a overall portfolio which is what we are after. We don’t know which coin will advance the fastest so it makes sense to accumulate many coins. This gives you a better chance at making it big vs. putting all your eggs in one basket with a bit coin or a lite coin Now, it’s true that bit coin and lite coin are the main coins and should be considered the gold/silver of this industry many other coins exist like the doge coin which is considered the third of the big three in the crypotcurrency world. There are many sites that can show you the coins about 400 in total as I type and more growing each day. This market place is growing due to all the benefits this offers to the businesses. It will just take time to get the supply and demand in balance.

Take a few minutes to get this news perspective on the king of digital currencys… Bitcoin

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New MLM Companies 2014

Digisade is on its way to becoming one of the top mlm companies in 2014.

They offer one of the most innovative and unique products on the market. What separates them from the rest, is that their hardware EARNS money. Most other new mlm companies require monthly purchases from its agents. From day 1, Digisade agents earn money each month instead of constantly paying for products. New mlm companies typically die out rather quickly, whereas Digisade’s model is based on earned money, not spend money. What exactly makes this company the top mlm of 2014?

What does Digisade do to earn money? Digisade offers the mining of the top digital currencies in the world. What is digital currency? Digital currency is a form of coin that is electronically created and stored. Such as the dollar or the euro, it too is used to buy and sell goods and services. Digital currency, sometimes called cryptocurrencies, is far more secure than their traditional counterparts. The top digital currencies include Bitcoin, Litecoind and Peercoin. Digital Currency services typically offer mining that verify and secure all of the transactions for a fee.

Digisade is one such company that offers this service as a mining pool. For an affordable price, individuals can become profitable from the first day mining digital currencies. Best of all, the device is a simple plug and play device that anyone can use. Once plugged in to the internet, it earns money 24 hours a day and 7 days a week. There are other digital currency mining pools out there, but non compare to the power, ease and price of Digisade click here to see what they offer…

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Digisade Review- Is Digisade legit?

Is Digisade the right company for you?

With so many options in the digital currency field, why choose digisade?  Well, we offer the only simple plug and play software in the DC space.  Our software is so simple that your grandmother can use it.  It is truly plug and play, making it a easy choice for top mlm of 2014

In fact, it does not even need your computer to be on.  It only needs an outlet and a internet connection (or Ethernet connection).  As miners in the digisade community, we will also be immediately entered into a mining pool which for those who know how mining for currency works, this is critical.  We offer an educational element as well to ensure you not only make money but understand this new and emerging industry.  The pool aspect can also increase profitability to the actual miners… that’s us…

Bloomberg talks about the benefits in this video and explans how merchants will soon move towards bitcoin and other DC’s simply due to cost, security and other major competitive advantages.  You owe it to yourself to understand this complex world with our simple system.

Millionaires like Richard Branson have invested millions in companies that promote digital currency as they see the growth potential.

So, the big question is how can you benefit from this new world of digital currency, the answer is Digisade

If you want an overview of how this program works see the video below.


If you Google “Digisade opportunity”, you’ll find other videos that will explain this amazing offer.  You can also visit our Facebook fan page for Digisade Reviews

One of the other major advantages we offer is the ability to mine multiple currencies on autopilot.  This means you have access to 20+ledgers and therefore, you don’t need to worry about joining 20 new pools additional software, hardware etc.  This is truly a one of a kind opportunity to earn from this emerging market called digital currency.

For more information, you can always contact a Digisade agent.  You can contact me @ mention this post please.


Reverse mortgages common questions and answers

One of the main inquiries/questions/concerns that senior citizens have when seeking specific financing like a HECM is. Can my home be taken from me? Can I lose my home? Can the gov’t take my home away and what other surprises may I encounter.

The response may astound you. The answer to that question is YES, however don’t stress it almost never happens and ONLY would happen in the event that you don’t pay your home owners insurance or are delinquent in your real estate taxes…

So despite the fact that it is conceivable, the statistics prove that it almost never happens to seniors.

There is one other thing you ought to realize that banks certainly need you to do and that is to keep your home in great repair.

What is good repair? Well, cut the lawn do what is the norm and nothing beyond that. We all know what a reasonable standard is for homes.

So there is so much to share, where do I begin? Lets keep the first basic. The most obvious reason seniors get a reverse mortgage is to eliminate their existing mortgage right?


Second is to have additional an money stream and or to make their life easier. So many seniors have to life on their small check from the united states govt called Social security and struggle to survive with day to day expenses. This can all be solved if they have the equity to get a reverse mortgage.

Given that the FHA guarantees these mortgages you can have peace of mind that you will never get any surprises. They are there to help and protect the interest of seniors with rules and guidelines to ensure the success of this program day after day. The have been issuing reverse mortgages for over 20 years now.


More to follow in the days to go ahead why Reverse Mortgages are so incredible and how you can profit from them in the following 30-60 days.

For now, I have supplied you with some videos you can watch to educate your self. This is a four part series that will teach you the pros and cons of these great mortgages. You can find the videos on you tube by searching Sarasota reverse mortgage or simply click here for the beginning video.

Oh, if you type in reverse mortgage Sarasota in you tube you should find the same series of videos.

Good luck in your search for reverse mortgage facts.