Why comparing lenders matters — and how Kevin Guttman helps you make a confident choice

When it comes to reverse mortgages, not all lenders are created equal. For seniors exploring the Home Equity Conversion Mortgage (HECM), shopping around could mean the difference between a comfortable retirement and an expensive misstep. At Reverse Mortgage Revolution, Kevin Guttman works to ensure Colorado homeowners are informed, protected, and empowered.

Why shopping around for a reverse mortgage matters

Reverse mortgages are complex financial products. Lenders may offer different rates, margins, closing costs, and service levels. Some may promise more than they can deliver, while others bury key fees in the fine print. Comparing options helps ensure:

  • You get the best available interest rate

  • You understand all costs and fees upfront

  • You feel confident about who you’re working with

  • You avoid high-pressure tactics or misleading sales claims

A reverse mortgage is a long-term decision. You deserve to work with someone who puts your goals first.

What to compare when evaluating reverse mortgage lenders

Interest rates and margins

Lower rates may result in more available equity or reduced loan growth. Ask each lender to provide a detailed breakdown of interest charges and terms.

Fees and closing costs

Origination fees, mortgage insurance premiums, servicing fees, and third-party costs can vary. Kevin ensures you see the full picture — not just a sales pitch.

Loan options and flexibility

Some lenders only offer one type of reverse mortgage. Kevin helps you explore fixed-rate and adjustable-rate options, line of credit vs. lump sum, and even HECM for Purchase loans if you’re looking to buy.

Reputation and transparency

Before you commit, research reviews, verify certifications, and ask the right questions. Kevin Guttman is a Certified Reverse Mortgage Professional (CRMP) — a credential held by fewer than 200 professionals nationwide.

Questions to ask before choosing a lender

  • What are the total upfront and ongoing costs?

  • Is the interest rate fixed or adjustable?

  • How will this reverse mortgage affect my spouse?

  • What happens if I need to move to assisted living?

  • Can I refinance or pay off the loan early?

You should never feel rushed or pressured. A good lender will walk through your questions with patience and clarity.

How Kevin Guttman helps you compare reverse mortgage options

Kevin doesn’t work for one bank — he works for you. As an independent specialist based in Colorado, Kevin:

  • Shops multiple lenders to find the most competitive rates and terms

  • Offers unbiased advice based on your specific goals

  • Helps you understand the numbers so you know exactly what to expect

  • Ensures you and your spouse are fully protected under FHA guidelines

  • Walks you through every step of the process, from application to closing

Don’t get locked into the first offer — know your options

Many seniors don’t realize that they have a choice when it comes to reverse mortgages. By comparing lenders with Kevin’s help, you can avoid costly mistakes and find a solution that truly supports your financial future.

Schedule your free reverse mortgage consultation

If you’re considering a reverse mortgage in Colorado, take the time to shop smart. Kevin Guttman will guide you through your options, answer every question, and help you make the most informed decision possible.

Visit ReverseMortgageRevolution.com or contact Kevin directly to schedule your free, no-pressure consultation.

Contact Kevin Guttman today for personalized guidance and discover if a reverse mortgage is right for you:

Explore your options confidently and secure a comfortable, financially stable retirement with Kevin Guttman, Denver’s trusted reverse mortgage expert.