Our Reverse Mortgage Counselors adhere to and maintain standards and a code of conduct that are aimed at protecting the interests of the senior community and their families and providing senior safeguards to our clients.
We realize that although Reverse Mortgage products can be an excellent financial solution, they may not be the cure all for your financial needs.
Our customary methods in terms of consumer safeguards for senior citizens include:
A personal, one-on-one consultation with an expert Reverse Mortgage Counselor who will analyze the needs of the senior candidate to ensure that one of our many reverse mortgage options is a practical solution. We then share with them a detailed cost analysis and comparison breakdown.
We provide each candidate with a printed version of the Reverse Mortgage Comparison Breakdown. We review this breakdown with each senior candidate to ensure that the senior clearly understands the options and benefits of different Reverse Mortgage scenarios.
We strongly encourage all senior candidates to reach out and seek advice from loved ones: family and friends, as well as financial and/or legal advisors regarding their decision to move forward with a Reverse Mortgage.
Before a Reverse Mortgage application is written, we will provide you with the name of a professionally trained HUD approved counselor, and arrange for them to furnish you with an expert objective overview and discuss with you all the Reverse Mortgage options.
Upon your acceptance and approval, we will submit the Reverse Mortgage application to our processing team, who once again reviews the selected program to further ensure a proper and educated decision has been made.
Our processing team then submits the application to our underwriting department. Underwriting will perform a secondary review of the program and product choice.
Once the final review is conducted and closing is complete, a “Reverse Mortgage Loan Report Card” is mailed to each senior client in order to provide them with a thorough breakdown with objective opinions and comments.
Ultimately, our goal is to help our senior clients find the perfect solution for their needs. To do so, we firmly believe in educating our clients to the utmost, and allowing them access to straightforward, objective information and answers. Rubiola Mortgage has been proudly serving Seniors in Austin, San Antonio, Corpus Christi, Houston, Kerrville, Waco, Laredo, Lubbock, El Paso and Dallas-Fort Worth since 2004.