Reverse mortgages are a powerful tool and help seniors obtain tax-free cash flow and to enhance their retirement lifestyle.

"When Experience Counts"

Virginia will come to your home for a private consultation to discuss your needs and find out what a reverse mortgage can do for you.
Learn How a Reverse Mortgage Works. How to qualify for a Reverse Mortgage.

719-520-3326 Direct

866-260-6713 Toll Free



Virginia offers specialized knowledge about aging and the important health, financial and social issues that affect the majority of seniors.

          Reverse Mortgage Counseling


Yes, counseling is required for all reverse mortgage products available today in the marketplace. All parties to the reverse mortgage loan must be counseled. Many seniors include their children in these sessions, or their trusted financial advisors. As of June, 2008, HUD has permitted counselors to charge for this service. However, they many not turn away any senior who is unable to pay.


Contact Virginia today for your FREE Reverse mortgage information kit. Click to go to the Contact Us page.

“Thank you for your help working out all the

details for our Reverse Mortgage payout.

We couldn’t have done it without your expertise

and perseverance with the lender.

Your personality, professionalism, honesty, communication skills and dedication to the

solution of problems related to aging and

handling of the Reverse Mortgage process

resolved problems we were not able to deal with.

You are truly a hero to seniors who need assistance.”

Bob (father) and Gary (son), Colorado Springs, CO



“Virginia did a perfect Job.  She really knows her stuff.”

Fredrick, Parker, CO



“We really appreciate everything you did to make the deal so easy and profitable for us.  We will tell our friends about you.  Thank you.”

William and Joy, Colorado Springs, CO



 “Virginia Berry was excellent and I would refer her 100 times over as a Reverse Mortgage Broker.”

Sherry, Pueblo, CO



What is Reverse Mortgage Counseling?


This is an “education session” to be sure that you completely understand all that is involved with a reverse mortgage. The counseling is done by an approved agency and there may be a cost associated, that can be reimbursed to you upon closing of your reverse loan. You can choose to have this counseling done in person, or over the phone.


Once counseling is completed, a counseling certificate is either mailed to you (if you do counseling over the phone) or given to you in person. This counseling certificate is valid for 6 months.


I will ask you at application if you have completed counseling, and if so, you can sign the certificate and give it to me at that time. I can then order your title work, appraisal, credit reports etc on your application. If you have NOT completed counseling at time of application, we can still get started in the process, but I will be unable to order the appraisal, credit report, etc.


Here is a list of HUD approved counselors:


Phone Counseling:


Debt Helpers - 800-920-2262


Hancock Community Development - 877-800-8540


National Counseling On Aging - 800-510-0301


Money Management International - 877-908-2227


Consumer Credit Counseling - 800-783-5018



Face-To-Face Counseling:


CCCS od greater Dallas - PUEBLO - 719-598-2227

200 W. 1st Street

Pueblo, CO


City of Aurora - 303-739-7900

9898 E. Colfax Ave.

Aurora, CO


Douglas County - 303-784-7856

9350 Heritage Hills

Lone Tree, CO


Money Management - 866-232-9080

7120 E. County Line Rd.

Highlands Ranch, CO



For more counseling agencies:


**These materials are not from HUD or FHA and were not approved by HUD or a government agency.



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Regulated by the Colorado Division of Real Estate

Licensing: Colorado: LMB100018988 | Nationwide Mortgage Licensing System and Registry: #253702 | Company NMLS 1223741

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