Choose any Payment You Wish with a HomeSafe Second Mortgage

Geneva Financial, reverse mortgage companies, reno commercial real estate brokers

Welcome to a Higher Quality, More Secure Retirement

Are you looking to remodel your home? Or eyeing a big-ticket purchase such as an RV, boat, or vacation home? Or maybe just consolidate your existing debts into a reasonable payment?

Withdrawals from a retirement account could hit you hard with taxes to do these things. But there is a new tax-free way to use the equity in your home without the burden of hefty monthly mortgage payments! A HomeSafe Second Mortgage could be your gateway to financial flexibility and peace of mind in your golden years.

HomeSafe Second is a fixed-rate second mortgage that allows you to access home equity funds. Best of all, you have the ability to make any payment of your choosing with no change to your low-rate first mortgage. It’s a program that is through Chris Handy (NMLS#15418) and Geneva Financial, LLC (NMLS#42056).

Why Choose HomeSafe Second Mortgage?

Live Comfortably: Access your home equity to cover daily expenses, medical bills, home improvements, or even dream vacations. It’s your money; use it how you see fit.

Stay in Your Home: With a HomeSafe Second Mortgage, your home remains your home. Like any mortgage, the loan is just a lien against your property for only the balanced owed. You retain full ownership.

Flexible Payment Options: Chris will go over your payments options. But you have the ability to make any payment that fits your budget or liking. This includes the ability to make no payments at all. The debt is ultimately only required to be settled when you sell your home. It is indeed a “safer” loan in that you can never loose your home for failure to pay principal & interest payments on this HomeSafe Second Mortgage*

Peace of Mind: Eliminate your existing 2nd mortgage or HELOC payments by replacing those loans with a HomeSafe Second. Unlike the 2nd mortgage or credit line you have now, you can then pay what you want, when you want. HomeSafe gives you the assurance that you’re prepared for whatever comes your way.

*As the continued homeowner of the property, payments of existing 1st mortgage, taxes & insurance still required

How Does HomeSafe Second Work?

Step 1

Be a homeowner with a fixed-rate mortgage in good standing looking to access home equity. 

Step 2

Contact your loan officer to determine how much money you can qualify for and discuss how a second mortgage can help you.

Step 3

Speak to a third party counselor to ensure this is a good fit and get your home appraised. 

Step 4

Receive your funds with no new monthly mortgage payments and take a second to breathe.

Borrower Qualifications

Eligibility: If you are 55 or older you may qualify for a HomeSafe Second Mortgage

Availability: In select states Must be current on your first mortgage Property must be your primary residence Must also have a minimum FICO credit score of 600

Personalized Plans: Our experts work with you to understand your goals to design and draw a payment plan that fits your life. Enjoy Your Retirement: Use your funds as you wish and live in your home with the confidence that comes from financial security.

About Chris Handy

Chris Handy - Certified Reverse Mortgage Professional

Chris Handy began his career in the mortgage business back in 2001. He has originated reverse mortgage for seniors since 2005 and holds the difficult-to-obtain title of Certified Reverse Mortgage Professional®. There were several requirements needed to acquire this designation. They included:

  • Close 50 or more reverse mortgages.
  • Have 3+ years of experience.
  • A letter of recommendation from a Senior Manager attesting to their character and qualifications. 
  • Pass the exam (This exam has a 70% initial failure rate).
  • A comprehensive background check.
  • Training on ethics and recognizing elder abuse.
  • Adhere to the NRMLA Code of Ethics.

Chris is an understudy at the American College of Financial Planning, where he is focusing on retirement income planning. Through his work, he emphasizes integrating home equity into retirement planning, through developing a strategy & timeline for a reverse mortgage for seniors. Regardless of market conditions, Chris Handy will help you find the best reverse mortgage in Reno for your scenario at the lowest cost he can structure.

Born in the Midwest, Chris spent his summers raising crops on his grandparents’ farm. From this experience, he has a strong understanding of the value of hard-earned money. Besides being experienced, Chris has a solid educational background. While working for Chase Manhattan Bank, he obtained his business degree from Arizona State University. He keeps his wits sharp as an active member of MENSA® and is an avid card player. In his free time, Chris enjoys playing golf with clients and friends as well as spending time with his family.

CRMP Certified Reverse Mortgage Professional logo

Ready to Get Started? Contact Us Today for a Free Consultation with Chris Handy and Geneva Financial, LLC

With loans up to $4 million you can:

  • Consolidate high-interest credit card debt
  • Buy an investment property
  • Purchase an RV, boat or car
  • Open / start a business
  • Fund long-term care, medical expenses, or emergencies
  • Pay for home improvements (or use however you’d like)

Our friendly and knowledgeable team is here to guide you through every step of the process. With no obligation and no upfront costs, discover how a HomeSafe Second mortgage can transform your retirement.

Secure Your Retirement with Confidence

Choose Chris Handy and Geneva Financial, LLC to join the thousands of seniors who have found financial freedom and peace of mind. It’s more than a mortgage; it’s a new lease on life.

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