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

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

          What is a Reverse Mortgage?


Approximately 80% of the reverse mortgages done today are insured by HUD/FHA. These loans and their fee structures are government regulated and all lenders operate under the same guidelines. These are non-recourse loans, which means that you can never owe more than the house will sell for. So you or your heirs will never be left with outstanding debt over the sales price of the home. There are several non HUD/FHA programs available, and are usually used on high valued properties.


Reverse mortgages enable eligible homeowners 62 years of age and older, access the money they have built up as equity in their homes.


“Thank you for your help.  I felt you had my best interest at heart.  I felt safe with you. Thanks again.”

Shirley, Denver, CO



”Virginia was wonderful !!!

Outstanding in every way.”

Robert, Pueblo West, CO



Reverse mortgages are a powerful tool and help seniors obtain tax-free cash flow. Thousands of people have already used them to enhance their retirement lifestyle.


Think of a traditional mortgage in which you borrow money and make monthly payments. With a reverse mortgage it’s the opposite. You borrow money, but instead of making monthly payments, you receive monthly payments, a lump sum of money, or a line of credit.


Reverse Mortgages enable eligible homeowners to access the money they have built up as equity in their homes. They are primarily designed to strengthen seniors’ personal and financial independence by providing funds without a monthly loan re-payment burden during their lifetime in the home. The major eligibility requirements are that the borrowers must be at least 62 years of age and owner occupy the property.


The Benefits of a Reverse Mortgage Include:

• Tax Free funds for as long as you live in the property

• No loan repayment for as long as you live in the property

• Limited income or credit requirements

• Retain ownership of your home (You remain responsible for keeping property taxes, homeowners insurance and maintaining the condition of the home.)

• No restrictions on how you may use the funds

• New! Increased Loan Limits

• New! Reverse Mortgage for Purchase Program


You do not need to have your home free and clear. Part of the proceeds from your Reverse Mortgage will be used to pay off any existing mortgage.



I will be happy to meet with you at your convenience to discuss your needs. Usually our first meeting will be about an hour, and feel free to ask your children or friends or trusted acquaintance to join us if you would like. This is usually a “get to know” each other session, and a chance to find out specifics about what a reverse mortgage can do for you.


For Your Private In Home Consultation,

Call Virginia Berry Today at 719-520-3326


“When Experience Counts”  Find Out What a Reverse Mortgage Can Do for You


**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

Address of Corporate Office: 4520 Tierra Rojo Dr. Colorado Springs, CO 80926 | Copyright  © 2008-2014 Virginia Berry, CSA