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TESTIMONIALS

What Our Clients Say About Us

"As a Buyer's Agent, it was great to be able to communicate quickly with the lender and discuss the process and potential pitfalls. Great Job getting this particular deal closed.."

- Clair Sanz

"Thank you again Doug, for you guidance and knowledge on helping us on our process of buying our first home. We our truly happy and grateful to have been referred to you."

- Javier Martinez

"Doug and his team did a excellent job. I will definitely recommend him to friends and family. I am truly thankful.."

- Horatio Vellander

"Doug and team kept in constant communication with us. They went the extra mile and helped us secure a lower interest rate. They also were very informative about the mortgage process and mortgages in general. The team at MM is super quick to respond and a great team to work with. Recommend 1000% for any mortgage needs!!."

- Jill Nelson

"The mortgage masters team are very knowledgeable and they work with you. They are transparent and support you through each step in the process.."

- Herman Herrera

TESTIMONIALS

What Our Clients Say About Us

"As a Buyer's Agent, it was great to be able to communicate quickly with the lender and discuss the process and potential pitfalls. Great Job getting this particular deal closed.."

- Clair Sanz

"Thank you again Doug, for you guidance and knowledge on helping us on our process of buying our first home. We our truly happy and grateful to have been referred to you."

- Javier Martinez

"Doug and his team did a excellent job. I will definitely recommend him to friends and family. I am truly thankful.."

- Horatio Vellander

"Doug and team kept in constant communication with us. They went the extra mile and helped us secure a lower interest rate. They also were very informative about the mortgage process and mortgages in general. The team at MM is super quick to respond and a great team to work with. Recommend 1000% for any mortgage needs!!."

- Jill Nelson

"The mortgage masters team are very knowledgeable and they work with you. They are transparent and support you through each step in the process.."

- Herman Herrera

WHAT IS A REVERSE MORTGAGE?

How The Reverse Mortgage Works

A reverse mortgage is a loan secured by your home. It must be your primary residence (that means that you, as the borrower, must live in the home for as long as you have the loan).
This type of loan allows borrowers to access a portion of their tax-free equity without making monthly mortgage payments. No payment is required until the last surviving homeowner moves, dies, or sells the home.

The borrower maintains the home’s title and is responsible for property taxes and homeowner’s insurance payments. The amount borrowers receive is determined by the HUD calculations based on the age of the borrowers (most specifically, the age of the youngest borrowing or non-borrowing spouse), the value of the home or the HUD lending limit, whichever is less and the interest rates in effect at the time.

Borrowers never have to make a monthly payment on reverse mortgage loans. There is never a prepayment penalty, so they can make any payment they wish, including repaying the loan at any time.

WHAT IS A REVERSE MORTGAGE?

How The Reverse Mortgage Works

A reverse mortgage is a loan secured by your home. It must be your primary residence (that means that you, as the borrower, must live in the home for as long as you have the loan).
This type of loan allows borrowers to access a portion of their tax-free equity without making monthly mortgage payments. No payment is required until the last surviving homeowner moves, dies, or sells the home.

The borrower maintains the home’s title and is responsible for property taxes and homeowner’s insurance payments. The amount borrowers receive is determined by the HUD calculations based on the age of the borrowers (most specifically, the age of the youngest borrowing or non-borrowing spouse), the value of the home or the HUD lending limit, whichever is less and the interest rates in effect at the time.

Borrowers never have to make a monthly payment on reverse mortgage loans. There is never a prepayment penalty, so they can make any payment they wish, including repaying the loan at any time.

About Me

Doug Kent

Home Equity Retirement Specialist

Doug Kent, A Mortgage Banker and Home Equity Retirement Specialist with over 32 Years of Experience in All Loan Types with 22 Years as a Direct Lender Branch owner.

During that time, Doug has helped thousands of Multi generational homebuyers attain their dreams of homeownership plans. Along the way, he has counseled even more individuals, be it first time home buyers, Investment Purchasers, or Seniors preparing for Retirement, kids of Seniors, as well as their Financial Advisors or other Family interests.

Doug prides himself on his creative solutions and passion for his customers’ long term financial plans and stability via Home Ownership Equity and the benefits of Prudent Leverage it can provide. His slogan “Consider it Closed” and “Experience Matters” is something he has lived up to since he adopted the slogans 21 years ago.

Working with his wife of 33 years as a Lending Team, Doug and Sandi are proud of their stellar reputation enabling successful careers based mainly on referrals from repeat clients, their family and friends, as well as industry partners with little to no need for advertising.

About Me

Doug Kent

Home Equity Retirement Specialist

Doug Kent, A Mortgage Banker and Home Equity Retirement Specialist with over 32 Years of Experience in All Loan Types with 22 Years as a Direct Lender Branch owner.

During that time, Doug has helped thousands of Multi generational homebuyers attain their dreams of homeownership plans. Along the way, he has counseled even more individuals, be it first time home buyers, Investment Purchasers, or Seniors preparing for Retirement, kids of Seniors, as well as their Financial Advisors or other Family interests.

Doug prides himself on his creative solutions and passion for his customers’ long term financial plans and stability via Home Ownership Equity and the benefits of Prudent Leverage it can provide. His slogan “Consider it Closed” and “Experience Matters” is something he has lived up to since he adopted the slogans 21 years ago.

Working with his wife of 33 years as a Lending Team, Doug and Sandi are proud of their stellar reputation enabling successful careers based mainly on referrals from repeat clients, their family and friends, as well as industry partners with little to no need for advertising.

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Ideal Lending LLC, NMLS 2471779 is not affiliated with or acting on behalf of or at the direction of the Federal Housing Administration (FHA) or any government agency or government-sponsored entity and this offer is not being made by an agency of the government. Ideal Lending LLC is a Licensed Mortgage Lender Servicer, FL MLD2414; Ideal Lending LLC only lends in CO, CT, FL, GA, TN, TX. Refer to www.nmlsconsumeraccess.org and input NMLS 2471779 to see where Ideal Lending LLC is licensed. Equal Opportunity Employer; Equal Opportunity Lender | This is not an offer for extension of credit or commitment to lend. All loans must satisfy underwriting guidelines. Not all applicants qualify. Information and pricing are subject to change at any time and without notice. Certain restrictions may apply.