ZYNG Mortgage works with real estate agents, financial advisors, and senior and in-home care providers to help their clients understand their home loan and home equity options. We explain the options to your clients in plain English, answer your questions, and keep you in the loop with your client's permission. We don't pay referral fees or give anything of value for referrals. What we offer is a straight answer and a loan officer who does what they say.
Your clients trust you with big decisions. When one of those decisions involves a home, a mortgage, or the equity they've built up, we can help them understand their options, so you can keep advising them with confidence.
I've worked alongside agents, advisors, and care professionals for a long time. The best partnerships I've had all look the same: we both care more about the client than about the transaction.
Buyers 62 and older can use a HECM for Purchase to buy a home with a down payment and no required monthly mortgage payments afterward. They must continue to pay property taxes and homeowners insurance, maintain the home, and meet the other loan terms. Many agents have never closed one. We can walk you through how the down payment works, how to write the offer, and the contract rules that trip deals up. See The Purchase Reverse Mortgage Guide for Real Estate Professionals.
We also help your buyers of every age with conventional, FHA, VA, USDA, and jumbo purchase loans. See Buy a Home.
More advisors are looking at home equity as part of a retirement plan, not just a last resort. We can show you how a HECM line of credit works, how it grows, how it can sit beside a portfolio, and where it doesn't fit. You stay the quarterback of the relationship. See For Financial Advisors and the standby line of credit strategy.
Families often call a care provider before they call anyone else. When the question is how to pay for care at home, a reverse mortgage may be one option worth understanding. We can explain it to the family in plain English, and tell them honestly when it isn't the right fit. See For Senior and In-Home Care Providers and Paying for In-Home Care With a Reverse Mortgage.
ZYNG Mortgage does not pay referral fees or give anything of value for referrals. Federal law (the Real Estate Settlement Procedures Act) bars it, and we wouldn't want a partnership built on it anyway.
We also don't pressure your clients. A reverse mortgage in particular is a big decision. Your clients will meet with an independent, HUD-approved counselor before any HECM, and we encourage them to bring family and trusted advisors, including you, into the conversation. See Reverse Mortgage Counseling.
No. ZYNG Mortgage doesn't pay referral fees or give anything of value for referrals. If someone in the mortgage business offers you something for sending clients their way, that's a red flag.
Yes, if your client gives us permission. Some clients want their agent, advisor, or care manager in the loop on every step. Others prefer to keep it private. We follow their lead.
Yes, with your client's permission. With reverse mortgages especially, we encourage it. Adult children often have the most questions, and it's better they hear the answers from us than guess.
Then we'll say so, to them and, with their permission, to you. Sometimes the better answer is selling, downsizing, a HELOC, or doing nothing for now. See Reverse Mortgage Pros and Cons.
You can see the states where we're licensed on our Licensing page. If your client's property is somewhere we're not licensed, we'll tell them so up front.
Yes. We help buyers and homeowners of every age with purchase loans, refinances, and home equity. See Refinance and Home Equity.
If you'd like to talk about how we can help your clients, call us at 530-888-6000 or book a call. Or find a loan officer for the state where your clients live.
ZYNG Mortgage, Inc., NMLS #76801. A reverse mortgage has no required monthly mortgage payments and uses your home's equity. Fees, mortgage insurance and other costs can be added to the loan balance, and the balance grows over time as interest is added, so your equity typically decreases. When the loan becomes due, the home may need to be sold, or the loan repaid from other funds. Interest is not tax-deductible until it is paid, in part or in full. You keep title to your home and must keep paying property taxes, homeowners insurance and upkeep, and meet the other loan terms; not doing so can make the loan due and could lead to foreclosure.
This material is not from HUD or FHA and was not approved by HUD or a government agency.
