Joan, using her advanced accounting degree, worked in various lending capacities for over 11 years in the banking industry. She left banking in 1996 to gain broad experience as a mortgage loan originator. She has been a Certified Senior Advisor for three years and her skills include Reverse Mortgage and Conventional Mortgage lending.

Since starting the company, Joan has personally helped borrowers with over 350 conventional loans and helped Seniors with over 90 reverse mortgages.

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Sandy has worked in the housing/mortgage industry for nearly 40 years. Upon retiring from 30 years with the Federal Government, including 25 years with the Department of Housing and Urban Development, Sandy became a Certified Housing Counselor for the City of Aurora, Colorado, Home Ownership Assistance Program (HOAP). While with the City, she realized her passion for counseling older adults on the Reverse Mortgage Program. Acting on that passion, she began originating reverse mortgage loans and has been in the industry for more than 11 years. She is recognized as an expert in her field.

When Sandy is not spending time with her children and grandchildren, her interests include politics, travel, reading and physical exercise.                         

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Unlike Ron’s prior job experiences in which the product or service required his client’s to spend money, Ron likes his position with Approval Reverse Mortgage Company in which he “consults” with older adults that have a financial need and structures a program that  “pays them”  to help meet their needs.

Ron also volunteers his time as an AARP Certified Driver Safety Class Instructor teaching classes for older drivers at libraries and senior centers in the Denver metro area.

Ron and his wife Judy celebrated their 30^th wedding anniversary at the end of 2004.  They are the proud parents of two great kids and four even more enjoyable grandkids.

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I have been in the Mortgage Industry since 1992 and began working with the Reverse Mortgage program in 2002.  I thoroughly enjoy working with the senior population and get a great sense of joy in helping my clients with the Reverse Mortgage program.  I served as the chair person for the South West Coalition on the Aging in 2004-2005.  I chaired Colorado’s Aging In Place Day in 2004 and co-chaired it in 2005.  I am a Jersey Girl by birth and a mother of 2 adult children.  I have been a Big Sister and have worked on Habitat Humanity builds.  I currently volunteer through my church and  with Single Volunteers of Greater Denver.

The greatest joy I receive in working with the Reverse Mortgage Program is hearing the stories of my clients as they share how the Reverse Mortgage has changed their lives.  Seniors use this program for various reasons, ranging from paying off a current mortgage or other bills, to buying medications or helping with daily living expenses, to buying a car, traveling, helping children or grandchildren, or just having a better lifestyle.

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John is approaching 7 years in the Reverse Mortgage industry.  In that time, he has helped place hundreds of senior homeowners in the best reverse mortgage product to suit their particular needs. A background as a financial advisor has proven helpful in understanding those needs.  

Additionally, through educational workshops he has explained the benefits of reverse mortgages to hundreds more homeowners and their families.  John believes a Reverse Mortgage is a financial tool every senior homeowner should be aware of and understand due to the freedom and peace of mind it can provide.

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Steve teaches a four-hour class on Reverse Mortgages at Denver University’s Continuing Education Program as well as at the Colorado Free University. In addition offers training at the Jefferson County Board of Realtors and assorted real estate offices.

Visit Steve at his website at www.myreversepros.com

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