A Housing Wealth solution that is hidden in plain sight, available through responsible access to the equity in your client’s home.

The Home Equity Conversion Mortgage (HECM) and the 55+ Specialty Reverse Mortgage could be one of the most misunderstood and underutilized resources available to your clients.  A unique financial tool for your retirement age clients is becoming the go-to solution for financial advisors to solve challenges and improve outcomes for mass affluent and higher net worth clients.

Home Equity Conversion Mortgage (HECM)

A reverse mortgage that is available to homeowners who are 62 years of age or older which allows your clients access to tax-free proceeds, a growing line of credit, and flexibility of optional monthly payments*.

HECM Highlights:

*Borrowers responsible for property taxes, homeowner’s insurance, maintenance, and abiding by the terms of the loan

55+ Specialty Reverse Mortgage

A proprietary reverse mortgage designed for high home values and homeowners at least 55 years of age with available equity access up to $4MM.

55+ Specialty RM Highlights:

*Borrowers responsible for property taxes, homeowner’s insurance, maintenance, and abiding by the terms of the loan

Other Solutions

Ensuring clients don’t run out of money

Beyond the basics to have cash flow to enjoy the most meaningful time of life

Access to liquid assets in the event of an unforeseen events

Leaving something for individuals and causes that matter

Asset Strategy

Avoid investment withdrawals in down markets, control taxable distributions, limit portfolio drag from cash or short term holdings

Home Purchase

Purchase a home that best suits needs in retirement.(right size, accessibility, move closer to family)

Line of Credit

Establish a growing LOC for future opportunities or unexpected expenses

Mortgage Payment Flexibility

Make payments if, when, and in amounts that are best for cash flow, tax, and retirement objectives.

Home Modifications

Fund home repairs, modifications, renovations, ADUs

Roth Conversion

Use proceeds to cover taxes from a Roth Conversion

In-Home Care

Fund or Supplement in-home care expenses

Social Security

Bridge the social security deferral gap

Gift

Accelerated an inheritance or gift to heirs or causes you support

HECM - Long-Term Care Event

Client Case Design

JUMBO

Client Case Design

Hank Sanders

Vice President - Equity Wealth Strategies Team

TEL 501-282-8067

hsanders@onetrusthomeloans.com

Schedule a meeting with Hank HERE

Ryan Ponsford

Senior Vice President - Equity Wealth Strategies Team

rponsford@onetrusthomeloans.com

Complete the Web Form below.  You can enter a client (or hypothetical client) request to receive consultation with one of our EWS team members.  

Frequently Asked Questions

Q - Will I receive compensation for referring a client to OneTrust?

A -  Only an NMLS licensed loan officer can receive compensation for mortgage products.  The loan officer typically receives a commission for closing a mortgage loan, but the compensation structure may vary to include salary, bonus etc.
 
There is no compensation, referral fee or exchange of revenue between the advisor and the loan officer or their firms…either direction. The best way to think about the relationship is like the alliances most advisors have with CPAs and attorneys.  The advisor introduces specific clients to the specialist who can add value to the client with Estate or Tax planning solutions to enhance the clients’ comprehensive plan.  There is not exchange of revenue between the specialist and the advisor…just each working and being compensated for their specific work for the client. 

Q - Can I use this product with any of my clients?

A - No, for a HECM, your Client has to be at least 62 years of age to be eligible. If married, at least one spouse has to be 62 yrs old.  For a Jumbo, client must be 55 but that is not the case for all states.  Contact OneTrust for specific client options.

Q - Is there a recording of the November 2022 Launch Webinar

A - Yes, Click Here to watch 

OneTrust is not an affiliate or subsidiary of Wealthcare.

Loans Provided by OneTrust Home Loans, a dba of CalCon Mutual Mortgage LLC NMLS #46375 (www.nmlsconsumeraccess.org); 3131 Camino Del Rio North Suite 1680, San Diego, CA 92108. Corporate phone (888) 488-3807.

By refinancing your clients existing loan, their total finance charges may be higher over the life of the loan. (Reference: 10 VAC 5-160-60 (F))

FOR INVESTMENT PROFESSIONALS ONLY

Wealthcare Capital Management LLC and Wealthcare Advisory Partners LLC (collectively, “Wealthcare”, “WCM”, “WCAP”, “we”, “our”, “us”) are registered investment advisors with the U.S. Securities and Exchange Commission (SEC) under the Investment Advisors Act of 1940.  All Rights Reserved. 

GDX360® is Wealthcare’s fiduciary process that integrates goals based planning with investment implementation that includes cost and tax management services designed to put clients first.

WealthcareGDX® and GDX360® are trademarks of Wealthcare Capital Management IP LLC.

This website is intended to provide general information about GDX360® as a WCM and WCAP service. It is not intended to offer or deliver investment advice in any way. Information regarding investment services are provided solely to gain an understanding of our investment philosophy, our strategies and to be able to contact us for further information.

All investment advisory and financial planning services are offered through WCM and WCAP. WCM and WCAP will maintain all applicable registration and licenses as required by the various states in which WCM and WCAP conducts business. WCM and WCAP render individualized responses to persons in a particular state only after complying with all regulatory requirements, or pursuant to an applicable state exemption or exclusion. Click here to see the full list of disclosures.