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For Financial Planners

Are you familiar with Wade Phau, Ph.D., CFA? (About) He is a big name in your industry. And if you are, would you like to see how this magical HECM credit line works and what has Wade so excited about a reverse mortgage? And why he opined that every financial advisor should learn how Reverse Mortgages work. Would you like to see what led him to that conclusion?
Check out the case study below!

A lot of advisors did their due diligence about reverse mortgages in the past. But the research and the public policy changes over the past few years indicate that reverse mortgages can be a valuable tool in a retirement income plan in a way that many advisors may not realize because they view reverse mortgages as being high-cost and last-resort options.
By Wade Pfau, Ph.D., CFA, author of academic retirement research with practical application, RetirementReseacher.com

Take A Look At This Case Study and See How A Reverse Mortgage Helped Mark & Rose Achieve Their Retirement Goals With A Growth Line of Credit.

In this case study, Mark & Rose own a home in Torrance, CA. Valued at $1,425,000, with an existing loan balance of $300,000. Their current mortgage payment is $2,388. Mark and Rose wanted to increase their monthly cash flow.

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Reverse Mortgage
CASE STUDY

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Payout Fixed Rate VS ARM

Jumbo Reverse Mortgages Available Up To $4,000,000
With A Reverse Mortgage, No Mortgage Payment Is Required
Portfolio Reverse Mortgages Available To Homeowners When They Turn 55

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Reverse Mortgage Terminology

C2 Financial Corp is a leading reverse mortgage company. Our glossary of reverse mortgage terms will help you understand everything from interest rates to loan amounts. We're here to help you get the most out of your reverse mortgage.

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Looking to buy, sell or refinance a property? C2 Financial Corp has the latest market intel to help you make the right decision. Our free 8-page Property Estimate Report is packed with valuable information on local property values and recent activity, so you can make informed decisions about your next real estate transaction.  

C2 Financial Corp is a leading reverse mortgage lender. We offer a variety of reverse mortgage products, including the Home Equity Conversion Mortgage (HECM), which is FHA-insured and allows homeowners to access their home equity without having to sell their home. Our knowledgeable and experienced team can help you determine whether a reverse mortgage is the right solution for you. When you have time grab a cup of coffee and check out our Reverse Mortgage Guide. 

Turning your home equity into cash can help pay bills and preserve other savings and investments. But they’re complicated, and not for everyone. 

What The Experts Are Saying About adding The HECM LOC into your client's Retirement plan

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to reduce the risk of retirement portfolio exhaustion, include home equity as a non-correlated asset in the portfolio

Financial planners have long regarded diversification and asset allocation as essential tools for reducing portfolio risk for their clients. This is especially true for retired clients who regularly draw on their portfolios for income. Financial planners who act in a fiduciary capacity should recognize the utility of the added diversification resulting from the inclusion of home equity in retirees’ portfolios, and should include this asset in fulfillment of their fiduciary duty of diversification of investments in order to reduce risk.

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reverse mortgages reduce risk for retirees while increasing wealth



Two of the biggest risks retirees face are from longevity and the market. It is the job of their financial advisor to help mitigate those risks through strategies such as diversification. It has long been considered an advisor’s fiduciary responsibility to engage in the practices of asset allocation and portfolio diversification, first introduced by Harry Markowitz in his 1952 essay “Modern Portfolio Theory.”      


             
                                   
 
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wade pfau walks people through ways reverse mortgages have changed since 2018


Wade Pfau, professor of retirement income at the American College of Financial Services and founder of RetirementResearcher.com, has long been seen as an authority on how reverse mortgages can be well-implemented into a senior’s retirement plans to reach financial goals. Because of his general dedication to understanding the space, Pfau has observed a series of changes that the reverse mortgage program has undergone over the years both from within, and from external entities like regulators.        

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reverse mortgages are no longer just for homeowners short on cash


Turning your home equity into cash can help pay bills and preserve other savings and investments. But they’re complicated, and not for everyone.
Until recently, it was conventional wisdom that a reverse mortgage was a last-resort option for the oldest homeowners who desperately needed cash. But a growing number of researchers say these loans could be a good option for people earlier in their retirement like Ms. Fox who are not needy at all.



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Moe Nelson - Senior Mortgage Loan Advisor..

With over 30 years of experience, I’ve seen a multitude of transactions and market conditions. It’s been very gratifying, helping borrowers fulfill their most massive personal goal, which is homeownership. When it comes down to it, I know all people want to know is, they are receiving the Best Product, Price, and Service, and that’s what I provide.
With over 100 wholesale lenders relationship, it gives C2 Financial access to virtually every possible loan program. Due to our size, C2 Financial receives preferred pricing and service from its wholesale lending partners, resulting in superior pricing and experience for its clients.
NMLS #992923 | Licensed to Do Business in the State of CA | DRE ID #00582319  
Office: (424) 225-2167   |  Cell: (310) 722-1122
moe.nelson@c2financialcorp.us   | https://realestateloansdirect.com           

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About Us

C2 Financial Corporation is a mortgage brokerage based out of San Diego, California. Founded in 2009 by management with combined industry experience of over 70 years, the company boasts over 900 originators and is licensed in 10 states.
The company has over 100 wholesale lenders relationships, giving its clients access to virtually every possible loan program. Due to its size, the company receives preferred pricing and service from its wholesale lending partners, resulting in superior pricing and experience for its clients.
In 2019 and again in 2020, C2 Financial was ranked the #1 mortgage broker in America by AIME, the Association of Independent Mortgage Experts.
In 2018, the company was listed by Mortgage Executive Magazine as the 'Top Mortgage Broker in the Country' and as one of the '50 Best Companies to Work For' in addition to being featured in the National Mortgage Professional Magazine, and has published several articles in the Scotsman Guide, a key industry publication.

Our Philosophy

Our Titles vary. We are mortgage consultants, loan originators, loan officers, and mortgage brokers.
What does not vary is that every day, borrowers like you entrust us with one of the most important financial decisions of your life, that if not executed properly can have long-lasting repercussions as was witnessed in 2008 during the mortgage meltdown.
We know that despite our best efforts and the government's best efforts to regulate the mortgage industry, our borrowers are too busy to review every last line of every single document. Our borrowers trust us as their mortgage advisor and that what they are signing is in their best interest.
We do not take that responsibility lightly. We do what is in the best interest for you, our client, not what is best for our pocketbook as some other brokers before us have done. We know by doing this, we not only are doing what is morally and ethically right, but we know this belief system will result in our borrowers referring us additional clients, the underpinnings of a long term relationship.
In California, This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Bureau of Real Estate, Broker # 01821025; NMLS # 135622. For state licensing information outside of California, click here.

 READY TO GET HELP? 

We'd love to hear from you!

Moe Nelson
Mortgage Loan Advisor
Retirement Mortgage Specialist

E: moe.nelson@c2financialcorp.us
Office: (424) 225-2167

2017 W Lomita Blvd. 2041, Lomita, CA 90717
Corporate Offices
10509 Vista Sorrento Pkwy, Suite 400
San Diego, CA 92121
P: (619) 268-8692

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About Us

With over 30 years of experience, C2 Financial isC2 Financial Corp is a top mortgage broker in the nation.  C2 Financial Corp is your online resource for personalized mortgage solutions and fast customized rate quotes. We strive to deliver the highest levels of service to help you reach your goals. We thank you for your trust and support. From the first call to the closing, our team is with you every step of the way and not hand you off to someone else! Brokers Are Better!!! 

Copyright ©2022 | C2 Financial Corp | NMLS #992923 | Licensed to Do Business in the State of CA 
This licensee is performing acts for which a real estate license is required. C2 Financial Corporation is licensed by the California Department of Real Estate, Broker #01821025; NMLS #135622. Loan approval is not guaranteed and is subject to lender review of information. All loan approvals are conditional and all conditions must be met by borrower. Loan is only approved when lender has issued approval in writing and is subject to the Lender conditions. Specified rates may not be available for all borrowers. Rate subject to change with market conditions. C2 Financial Corporation is an Equal Opportunity Mortgage Broker/Lender. The services referred to herein are not available to persons located outside the state of California.