My 16 years in the reverse mortgage industry, here is what I have found. If used properly the reverse mortgage can help take the worry out of the retirement planning process in a multitude of ways.
I work exclusively with Financial Planners, Realtors, and their clients. My business is strictly referral based so exceptional customer service is paramount to me. I help seniors increase the financial success of their retirement years in a whole different way using the Home Equity Conversion Mortgage (HECM).
Commonly known as “reverse mortgages,” these home loans which were once considered a loan of last resort have transformed into a strong financial tool that should be considered for any retirement plan.
I work with solely with the reverse mortgage product because I enjoy making a difference in the life of a senior. This can be by increasing their cash flow in retirement, being able to afford medical expenses, or LTC policies, or life insurance to benefit their estate. In fact, I can show you how the early and proper use of a reverse mortgage can greatly increase the longevity of retirement funds or the estate the senior leaves to their heirs.
Recent and ongoing changes to both the financial planning fiduciary rules, tax law changes, and the reverse mortgage program make it vitally important that you meet with a professional today to discuss the features and benefits of this special program for seniors.
With over 18 years of mortgage lending experience, Bob is an industry veteran and invaluable resource. By analyzing his clients needs and incorporating the latest mortgage planning tools into his client proposals, Bob has built a reputation as a Trusted Mortgage Adviser. His commitment to customers has resulted in multiple transactions from many and in a strong referral network. With a Bachelor of Science degree from the School of Management at Syracuse University and managerial experience at well-known Fortune 500 corporations, he continues to apply his expertise to all aspects of the loan origination process. He and his wife, Sarah, have been married since 1993. He loves sports, particularly watching his alma mater Syracuse University play mens basketball. In addition, Bob enjoys bicycling, spin cycling, golf, and skiing. - See more at: http://www.novahomeloans.com/Bob-Buch/about#sthash.Gge4XcLr.dpuf
Cheryl has been in the mortgage lending business for nearly 20 years. Having been a successful business owner and currently active as a community leader, Cheryl Braunschweiger is known and respected for getting the job done with a degree of skill and enthusiasm that brings out the best in those around her – colleagues, clients and friends. Her logo, ALMC Mortgage, reflects Cheryl’s philosophy and personality. It stands for All Loans Must Close –a reflection of her determination to do whatever it takes to serve her clients. A natural leader, you’re most likely to find Cheryl at the forefront of whatever she’s involved in, helping the people she’s working with come up with solutions that work best for them. She approaches work – and life – with passion, integrity, solid business judgment and a commitment to contributing to the community and those she works with. Cheryl combines her knowledge and passion for helping borrowers achieve homeownership with NOVA Home Loans’ wide variety of mortgage products, low competitive pricing, in-house underwriting and support team. With all of this, clients receive the best value in a mortgage transaction anywhere.
David would describe himself as a dedicated salesperson with a strong background in customer and client relations. He has over twenty years of experience within the customer service/sales industry, including several years of management. David has been working in the mortgage industry since 2002, and has been with NOVA Home Loans as a Senior Loan Officer since the beginning of 2011. He is well versed in conventional and government mortgages, FHA, reverse mortgages and other niche products.
A lot has changed since Glen closed his first loan in 1986. Glen began his mortgage and banking career in Southern Arizona at a Savings and Loan. During this time, Glen has seen many market and regulatory changes and held several positions within the industry including loan officer, Retail Sales Manager, and Vice President for national banks. Presently, Glen leads a residential lending team and manages the Reverse Mortgage Division for NOVA® Home Loans as well as a team of forward mortgage professionals. Glen holds a bachelor’s degree in business (finance) and enjoys sharing his experience with licensed loan officers and real estate professionals. He is certified to teach pre-licensing and renewal hour courses for both the Nationwide Mortgage Licensing Service and the Arizona Department of Real Estate. Glen is one of only 104 individuals nationwide to hold the Certified Reverse Mortgage Professional designation from the National Reverse Mortgage Lenders Association. Glen’s passion for learning and staying on top of the latest industry trends allows him to share the very best options to his customers and referral partners.
Kevin has many years of experience, education and teaching in the mortgage/real estate industry. It is his passion to help clients get the right loan for their financial situation that sets him apart. Treating each client as his top priority has been the hallmark of his success and why he consistently ranks in the top 1% of all originators nationwide. His clients, real estate partners and business referrals all know Kevin is genuinely invested in bettering the client’s financial situation by positioning them into the best loans product for their needs and qualifications.
Kim’s been in the mortgage business since 2003 providing borrowers with a high level of service and the belief that everyone deserves to be informed, comfortable with the process and never surprised by the numbers. Kim has a wide range of knowledge about loan guidelines, options, and solutions. Whether you are a first time home buyer, or have gone through the process many times, Kim will take the time to review the information necessary to ensure every client gets the right loan. Nova Home Loans provides in-house underwriting for all conventional loans underwritten to Fannie Mae/Freddie Mac guidelines as well as FHA, VA and USDA loans. Nova also offers jumbo loans, CHFA, Homepath, Denver MMA, and other unique programs.
Kirk is an expert in mortgage products and the mortgage process. Kirk started his career in the mortgage industry in 2003, working in the operations side of the business as a capital markets/product analyst and then transitioned to specialize in production development & support. Kirk eventually became a corporate trainer, a role in which he was able to use his broad knowledge of the mortgage industry to help mortgage companies improve and grow by training Loan Officers and operational staff. Now, as a Loan Officer, Kirk is able to use his expertise to advise and educate clients and guide them through the mortgage process, while providing superb service and communication. In his free time, Kirk enjoys mountain biking, traveling, and spending time with his wife and two daughters.
“I grew up in a very small town in eastern Washington on a large wheat farm where I learned the values of hard work, honesty, integrity, and the value of a Dollar. I graduated from Central Washington University with an accounting degree, but I quickly discovered that accounting was not a good fit for my personality (extrovert who loves to talk with people and help people). During my senior year of college I felt called into youth ministry and became a youth pastor instead for a few years. I moved to Denver in 1995 to attend Denver Seminary where I graduated from in 1997. After looking for a full-time youth ministry position for 9 months, I decided to go back to the business world of banking and I fell in love with mortgage banking where I have been working since 1998.
From the very beginning I decided I would work by referral and I discovered that if I did an incredible job for my clients they would refer me to their family and friends. 18 years later my entire business is from referrals and repeat business. For a couple years I also became a licensed financial advisor which has given me a far broader knowledge of money and finance and how your home and mortgage fit into your goals and dreams. I LOVE helping people achieve their dreams and goals.
For the last 6 years I have been voted one of Denver’s VERY BEST Mortgage Professionals by my clients and the real estate agents that I work with. This award appears in the September issue of 5280 Magazine each year. I am one of only about 20 Mortgage Professionals who have won this award all 6 years! Then, in September 2015 I was also featured in the Rocky Mountain edition of Top Agent Magazine as being one of the top Mortgage Professionals in our region.
I met my wife at Denver Seminary and we have been married for 16 years and have 2 kids of our own. In December 2015 we received permanent custody of our son’s best friend after his parents abandoned him. Nick has been living with us since September 2014 and he has been a great blessing to our family.
I have actively coached our son and his teams in baseball, flag football, and basketball which has been a great blessing. When I have free time I love to go for walks or hikes and I often take my camera with me as I love landscape photography. I and my boys also LOVE cars and attending car shows. I hope to one day to buy a car that is worthy of being shown off.
My favorite clients are those who are eager to learn about money and how to build wealth using real estate. This can be a first time home buyer, a move up buyer, or a real estate investor like myself. I strongly encourage you to ask me questions as there are NO stupid questions with me.”
NMLS 270417, Phone 720-279-5963 |
Manny Hernandez, Senior VP, Lender Services
Manny Hernandez has been in the mortgage credit industry for over 20 years. His experience began as a team lead with a local mortgage credit reporting firm in Tucson, Arizona and grew to launching an in house credit reporting agency for a nationally ranked mortgage lender. The unique background of working with both a mortgage credit agency and for a mortgage firm has provided me with the knowledge and background to become one of the leading professionals in the mortgage credit industry.
Michelle Oddo, Senior Loan Officer
As a prior partner of her own mortgage brokerage company, Michelle has over 25 years of mortgage lending experience as a loan originator as well as experience in loan processing and underwriting. This experience makes her a knowledgeable resource to take your loan from application to closing as smoothly and stress free as possible. She believes communication with all parties involved in the loan process is the key to a successful real estate transaction. She enjoys helping people choose the right loan to fit their specific needs, and prides herself on educating clients on all available options. Michelle’s expertise is working with self-employed, first time homebuyers and counseling challenging borrowers. Treating her clients with respect and honesty, while making their loan needs a priority has been the key to her success. Michelle has consistently ranked in the top 1% of all originators nationwide year after year.
With a name like Cederholm, Paul was meant to be in the real estate and home loan industry! Paul lives in Castle Rock, Colorado with his 5 children (no that is not a type-o ) and his dog Oakley. He often says, “If you’re bored in Colorado, it’s because you want to be, he loves everything Colorado life has to offer. A natural problem solver and high energy individual, he truly loves connecting with people and serving as a trusted resource for partners and clients, even if it is not about home loans or mortgages. Paul lives by the mantra to "ALWAYS LEAVE PEOPLE BETTER THAN YOU FOUND THEM" and "NOBODY CARES HOW MUCH YOU KNOW UNTIL THEY KNOW HOW MUCH YOU CARE" and enjoys helping and educating clients on the best solutions for their needs. He believes success comes from continually learning, growing, and serving clients and referral partners through value contribution, exceptional service, and consistent communication. Better Call Paul to experience what a great home buying loan process should feel like!
Robin began her mortgage lending career shortly after the birth of her first child in 1991. Over the past two decades she has enjoyed helping individuals and families match their mortgage program to their financial goals. In 1999, Robin closed her first reverse mortgage for seniors and the program and the mature customers involved, quickly became her passion. Helping seniors stay in their home and remain independent is her primary goal every day.
Rosemary has been with NOVA Home Loans as a Loan Officer in Colorado since the beginning of 2011. She has been involved in the mortgage industry since 1997. Rosemary focuses on developing relationships with clients as well as realtors. She has proven her ability to generate promising leads and follow up with both borrowers and realtors, and understands the loan process from the start to close. Rosemary recognizes the requirements needed to obtain mortgages in these changing times.
Seth Wilcock has always been passionate about teaching since college, where he became a Level I certified AASI snowboard instructor. The mortgage industry has since served as an excellent platform for Seth to continue educating borrowers and business professionals about the ever changing lending environment today. Seth has been in the mortgage industry since 2010 and is constantly improving his systems to make the mortgage process quick and stress-free for all parties involved. Seth is well versed on many down payment assistance programs including CHFA and Denver MMA. During his free time Seth enjoys brewing beer, snowboarding and spending time with his wife and 120 lb Newfoundland.
Thomas Higgins, Credit & Product Development Analyst
Tom Higgins started his career in mortgage lending in 2000 and is thrilled to be a continuing education instructor. Tom’s experience with Secondary Marketing, Business Process Development, Training and loan origination has given him a unique perspective on industry changes over the past two decades. Working with Credit Services, he works closely with credit vendors, has a dedication to client relationships, as well as a personal drive to help borrowers overcome their credit challenges.
Tim Oddo, Reverse Mortgage Specialist
“Let’s get it done!”
This is the approach Tim uses in each of his client
interactions. This philosophy coupled with honest
transparency is what has sustained his career in the
mortgage industry for almost two decades.
Tim believes that strong communication, a quick
response time, and an honest assessment of individual
client needs allows for the best experience for his home
buyers. Before his career as a loan officer, Tim worked
as an appraiser, which gives him practical insight into
other areas of the mortgage process.
Besides work, Tim serves on the board of A Chosen
Generation and is long-time member of Kiwanis Club.
These affiliations align closely with his passion for
people and building strong relationships with each
person he encounters.
In the mortgage business for close to 25 years, Troy is a seasoned veteran who enjoys making the dreams of his clients a reality. And, as he was a real estate agent before becoming a loan officer, his knowledge and experience allow him to serve his customers from beginning to end.
Troy believes in answering all questions posed by his clients; while educating them throughout the home loan process. He makes it a point to provide information about different loan products and programs, along with the packaging of the loan, that meet both short term and long term financial goals. Being a long officer is something that comes naturally to Troy. Whether he is helping borrowers purchase their first home or perhaps improve their financial situation with a refinance, he works tirelessly to ensure that all of their needs are being met for years to come.
As a Denver native, he is passionate about his community. Troy and his wife have raised their four sons within the Denver area and enjoy everything that comes with being a native Coloradoan. When he isn’t working, he spends his time with family, working on cars, home improvement projects (which sometimes seem to be never-ending) and kart racing.