Every borrower is different — and so is every solution I offer. Whether you're a senior looking to retire with peace of mind, an investor needing flexible options, or someone who doesn’t fit the traditional loan mold, I structure loans that work with your life. My role isn’t just to get you approved — it’s to make sure your loan actually works for your long-term goals.
A Legacy Reverse Mortgage helps you unlock your home’s equity to create lasting financial flexibility in retirement. Whether you're looking to stay in your home, eliminate monthly mortgage payments, or create tax-free income, I’ll guide you through how this tool can help you protect your lifestyle and legacy.
I work closely with seniors and their families to answer questions like:
If you or a loved one is exploring retirement income options, I’m here to help you make a fully informed, confident decision.
Jet Direct Mortgage delivers bold, creative loan paths for borrowers who don’t fit the mold—backed by deep expertise, fast underwriting, and personal support. Here's a refined breakdown of their most in-demand Non‑QM options:
Reverse mortgages can unlock new planning opportunities for your clients by converting home equity into tax-free cash flow without requiring monthly mortgage payments. These tools can strengthen retirement income strategies, help preserve investment portfolios, and offer greater financial flexibility for seniors. I work closely with advisors to tailor reverse mortgage solutions that align with client goals.
As a Realtor, your reputation depends on finding solutions when the usual options don’t fit. That’s where I come in. With nearly three decades in residential lending, I specialize in Non-QM and reverse mortgage programs designed to keep your deals alive — and your clients moving forward.
When you partner with me, you gain:
• In-House Underwriting
Faster approvals and fewer surprises at the closing table
• Competitive Pricing
Strategic loan structures that give you an edge in negotiations
• Expert Guidance
Creative solutions for complex borrower profiles other lenders can’t handle
• Hands-On Support
You’ll work directly with me — no call centers, no red tape
Our Most In-Demand Non-QM Programs:
Straight Answers for Your Most Important Questions
Unlike a traditional loan, a legacy reverse mortgage pays you — and doesn’t require monthly payments. It’s a way to stay in your home while accessing your equity. I’ll help you understand the pros, cons, and whether it fits your retirement strategy.
Fill out our contact form and set up a time to talk to Paul Harmon.Fill out our contact form and set up a time to talk to Paul Harmon..
No — but you do need significant equity. If you're unsure, I can help run the numbers to see if you qualify and how much you could access.
Non-QM loans are ideal for borrowers with unconventional financial profiles — like self-employed clients, real estate investors, or those with recent credit events. If traditional loans don’t work for you, this might.
Yes, but options may be more limited. I’ll help you explore creative solutions based on your credit, reserves, and cash flow.
Absolutely. It’s called a “Reverse for Purchase” loan. You can buy a primary residence and eliminate monthly payments — a great option for seniors looking to right-size.
Whether you're planning a purchase, restructuring debt, or exploring long-term wealth strategies, I’ll help you cut through the noise and move forward with clarity. Let’s connect and figure out the smartest path for you — no pressure, just results-driven advice.
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Service areas:Long Island|NYC|CA|NC
NMLS: 3542 NMLS CONSUMER ACCESS
