Are your 62+ homebuyers walking away from the perfect property because they don’t want a mortgage payment? In this episode, reverse mortgage specialist Mike Baltazar explains how real estate agents can leverage the HECM for Purchase (H4P) program to help senior clients buy a new home without monthly mortgage payments.

Learn how reverse mortgages for purchase work, how they preserve liquidity, and why more agents should be using this strategy to unlock listings, boost closings, and better serve older buyers.

📩 Questions? Email info@retirewithoutmortgage.com or connect with Mike to explore partnership opportunities.

Divorce after 60—often called gray divorce—can create complex financial challenges, especially when it comes to the marital home. In this episode, reverse mortgage specialist Mike Baltazar explains how a reverse mortgage can be used during or after divorce to create equitable outcomes, protect retirement income, and help one spouse keep the home—without taking on a new monthly mortgage payment.

This episode is a must-listen for divorce attorneys, financial planners, and anyone navigating a later-in-life divorce who wants to preserve housing stability and long-term financial health.

📩 Questions? Email info@retirewithoutmortgage.com or connect with Mike to explore customized solutions.

Bankruptcy can feel like the end of the road—but for homeowners 62 and older, it may be the start of a new financial chapter.

In this episode of Retire Without Mortgage, Mike Baltazar speaks directly to bankruptcy attorneys, sharing how a reverse mortgage can be used to prevent foreclosure, pay off debt, and create post-bankruptcy stability. Learn how home equity can serve as a lifeline for clients in distress and why working with a reverse mortgage specialist can open up options many attorneys and clients never knew existed.

📩 Questions or referrals? Email mike@mikebaltazar.com

In this special episode of Retire Without Mortgage, Mike Baltazar kicks off a new series created specifically for financial professionals—starting with financial advisors.

Discover how reverse mortgages can serve as a powerful tool to reduce sequence-of-returns risk, preserve investment portfolios, and enhance retirement income strategies.

Learn why home equity should be part of every retirement plan and how partnering with an independent broker (with access to nine lenders) offers more flexibility for your clients.

📩 Questions or referrals? Email info@retirewithoutmortgage.com

Worried about what happens to your home—or your heirs—after taking a reverse mortgage?

In this episode of Retire Without Mortgage, Mike Baltazar explains exactly how reverse mortgages work when it comes to inheritance, estate planning, and protecting your family.

Discover the flexible options your heirs have, how FHA safeguards prevent debt burdens, and why a reverse mortgage can be a smart legacy tool—not a financial trap.

📩 Questions? Email us at info@retirewithoutmortgage.com

How you receive your reverse mortgage funds matters just as much as deciding to get one.

In this episode of Retire Without Mortgage, Mike Baltazar breaks down the four main payout options—lump sum, line of credit, monthly payments, or a combination—and helps you determine which structure best fits your retirement goals.

Whether you're looking for immediate relief, long-term flexibility, or reliable income, this episode will guide you to make the most of your home equity.

📩 Questions? Email us at info@retirewithoutmortgage.com

You’ve unlocked your home equity—now what?

In this episode of Retire Without Mortgage, Mike Baltazar shares smart, strategic ways retirees are using reverse mortgage funds to strengthen their financial future. From creating a market buffer and paying off debt, to extending retirement savings and enhancing lifestyle goals, learn how to make your equity work for you.

This is about more than cash—it’s about peace of mind and long-term security.

📩 Questions? Email us at info@retirewithoutmortgage.com

What does the reverse mortgage process actually look like—from start to finish? In this episode of Retire Without Mortgage, Mike Baltazar breaks down the entire journey, from your first consultation through counseling, appraisal, underwriting, and closing.

You’ll also learn why working with a mortgage broker like Mike—who partners with nine different reverse mortgage lenders—gives you more options, better terms, and a higher chance of approval than working with someone limited to just one or two.

📩 Questions? Email us at info@retirewithoutmortgage.com