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Upon entering the reverse
mortgage field, Ray decided to become thoroughly knowledgeable
about the major issues being faced by seniors and realized he
had to fully understand their challenges and various
lifestyles. For this reason, he became a Certified Senior
Advisor (CSA). This has enabled him to better evaluate the
unique needs of each senior and counsel them on whether a
reverse mortgage is a suitable financial option. There is a
code of ethics and business principles for all members who are
in good standing with the society of Certified Senior Advisors
and Ray religiously adheres to these standards. As a CSA, Ray
also helps seniors in other areas, and often refers them to
experts in other related fields like long term care,
government medical benefits, estate planning, etc. CSAs are
taught to understand and communicate with seniors on the
subjects that most influence their lives. And if they can’t
help seniors directly, CSAs know how to find them the help
needed. Other designations teach about products or
professions. CSA’s teach about people. For more information, please visit the CSA website:
http://www.society-csa.com/
--Client
Testimonials --
What People are
Saying About Mr.
Reverse Mortgage
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"I spoke with three
reverse mortgage companies. I decided to go with Ray
because he was able to explain things much more clearly
than the others and I trusted Ray from the first time he
came to my house."
M.G., Fremont, CA
"My financial problems
were overwhelming me. Ray took the time to understand my
situation and helped me get peace of mind with a reverse
mortgage."
A. S., Concord, CA
Ray helped me do a reverse mortgage and has been a
trusted advisor for the past two years. He has helped me
prepare for meetings with city officials, contractors,
lawyers and real estate brokers. I can always count on Ray
to help me."
L. G., Oakland, CA
"We took several
months to decide on a reverse mortgage. Ray was
very patient and understanding of our concerns.
He visited our home three times and answered all
of the questions our family had about the reverse
mortgage program."
P. C., Fremont, CA
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