Using a HECM Standby Line of Credit as a retirement safety net (and a bear-market buffer)

Most retirees are taught a simple rule: keep a cash bucket for emergencies and spend from investments for everything else. The problem is that retirement doesn’t cooperate with tidy rules—markets drop, roofs leak, health events happen, and long-term care expenses don’t show up politely. One of the most underused planning tools for managing those “life happens” moments…

As more seniors in Ventura County look for ways to stretch their retirement dollars, reverse mortgages have emerged as a powerful option. If you’re a homeowner age 62 or older in Ventura, Oxnard, Camarillo, Thousand Oaks, or surrounding communities, a reverse mortgage can turn your home equity into flexible, tax-free retirement income — without giving…

Unsure if a Reverse Mortgage is right for you?

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Craig P Greene
Reverse Mortgage Loan Officer
NMLS #248793 | DRE #01105634

C2 Financial Corporation NMLS#: 135622 |
DRE #01821025
12230 El Camino Real Suite #100
San Diego, CA 92130
www.c2financialcorp.com

Equal Housing Lender

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Craig Greene - Santa Barbara Reverse Mortgage
Santa Barbara, CA 93103

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This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA). It is not intended to be a substitute for legal, tax or financial advice. Consult with a qualified attorney, accountant or financial advisor for additional legal or tax advice.

*There are some circumstances that will cause the loan to mature and the balance to become due and payable. The borrower(s) must continue to pay for property taxes and insurance and maintain the property to meet HUD standards or risk default. Credit is subject to age, minimum income guidelines, credit history, and property qualifications. Program rates, fees, terms and conditions are not available in all states and subject to change.

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. Loan approval is not guaranteed and is subject to lender review of information. Loan is only approved when lender has issued approval in writing. 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.

As a broker, C2 Financial Corporation is NOT approved by the FHA or HUD, but C2 Financial Corporation is allowed to originate FHA loans based on their relationships with FHA approved lenders.

C2 Financial Corporation is approved to originate VA loans, and has the ability to broker such loans to VA approved lenders. C2 Financial Corporation is not acting on behalf of r at the direction of HUD/FHA or the VA.

Using a HECM Standby Line of Credit as a retirement safety net (and a bear-market buffer)

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