Reverse mortgage specialist · Tampa Bay, Florida
Stay home, with the facts in plain view.
Morgan Pell explains reverse mortgages slowly and clearly, for homeowners and the families who help them decide.
Big print, no rush
Every page is written to be read at your own pace, with the important parts first.
Families welcome
Adult children can join every conversation, in person or by video.
Counselling comes first
A HUD-approved counselling session is required before applying. We explain how it works.
How it works with Morgan
A clear route from first question to closing day.
- 1Information conversation
- 2HUD-approved counselling
- 3Application
- 4Appraisal
- 5Closing and funds
“The big type and the page for adult children changed the tone of my first calls. Families arrive with better questions.”
Common questions
Who can get a reverse mortgage?
For a HECM, at least one borrower must be 62 or older, live in the home as their primary residence, and have enough equity. Counselling with a HUD-approved counsellor is required first.
Do I still own my home?
Yes. You keep the title. You must keep paying property taxes, homeowners insurance and maintenance, and keep living in the home.
What happens when the last borrower leaves?
The loan becomes due. Heirs can typically sell the home, refinance, or pay off the loan, and a HECM is non-recourse for the amount owed beyond the home's value.
Ready when you are.
No pressure, no hard credit pull to start a conversation.
Request an information pack