Colby Keener

      510-LO-37636

Thank you visiting our website at Stay In Home Mortgage and my personal home page. Now that you have made it here, my goal is to provide you useful information to make your visit worthwhile.


There are many resources available to you now via the internet, personal contact, 3rd party counselors, and advisors like myself. My belief is the best thing you can do is find a company and advisor to work with to help you navigate through this information. Through open communication and an experienced advisor, you should be able to learn everything you need to know.

Four important things to consider when learning about a Reverse Mortgage:

Work with a Reputable Company: Ensure you are working with a reputable company that focuses on Reverse Mortgages. Reverse Mortgages have unique rules compared to conventional loans; a company focused on this program will help ensure you are provided the most up to date program details important to you. Companies that participate in industry organizations like National Reverse Mortgage Lenders Association (NRMLA) show a vested interest in promoting the product in a resourceful and ethical way. Companies must be licensed by HUD under the FHA, and should be a member of the Better Business Bureau (Stay In Home Mortgage is a member of the BBB under our corporate office in Washington state).

Education: Ask what resources are available to you. There are a number of valuable resources to help educate you and your advisor should readily provide these to you. The reverse mortgage industry is no longer a cookie cutter program and you need to be aware of the best plan for you. The availability of good information is constantly growing. There are Jumbo loans for higher home values, fixed interest rate options, Reverse Mortgages used to purchase 1st or 2nd homes, etc. Explain your goals thoroughly and your advisor should present options that best fit you.

Your Advisor Relationship: Pick the right advisor for YOU. In my opinion, this is a relationship you should have for life as this is probably the last loan you will ever need. Always ask good questions and evaluate how they are answered. Your advisor should know this product inside and out and just as important, should be someone you feel comfortable dealing with. While costs are always a factor, you should never go with the lowest cost, just because they are the lowest cost. An advisor should understand your goals, give you options to consider, and provide information that is clear and easy to follow.


Think Outside The Box: This program works in reverse of what you have learned throughout your life. You are no longer paying a mortgage on your home your home is now paying you. It can be difficult to imagine adding debt back into your home, but think of this program like a tax free savings or 401K account where you have put money in over the years. You are now at a point in your life where this money may be better utilized than sitting in your house. You can’t take your equity with you when you pass away. Be open minded about this option, you never know what life holds in the future.

Thank you for your time. Please feel free to contact me anytime. I look forward to helping you understand this retirement tool.

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