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Retirement Resource Group (RRG) is dedicated to ensuring seniors live the retirement they've envisioned. Our primary focus is addressing the needs of this significant demographic.

Understanding your options can be complex. That's why our local, licensed loan specialists are available to meet you in-person, at your preferred location, to explain the process and address your concerns. Alternatively, we offer video conferencing. We'll help you find the right home equity conversion mortgage loan for your retirement.

RRG stands out for its exceptional customer service. We tailor our services to each individual, ensuring you have our full support throughout your Home Equity Conversion Mortgage (HECM) loan journey.

Want To Learn More ?

Check out our Retirement Resource blog below and find out if a Home Equity Conversion is right for you and your retirement journey!
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If you are 55 and over, Retirement Resource Group wants to share with you how you may be able to convert part of the equity in your home to cash flow. Whether you desire money to finance the purchase of a new home, complete home improvements, pay off an existing mortgage, supplement your retirement income, or pay for healthcare expenses. Many older Americans are turning to HUD's Insured Home Equity Conversion Mortgage (HECM).

There are 3 different types of reverse mortgages:


(Home Equity Conversion Mortgage)

The only reverse mortgage insured by the U.S. Federal Government. The HECM enables borrowers to withdraw a portion of their home's equity. The amount that will be available for withdrawal varies by borrower. One borrower must be 62 years or older.


(Platinum Propietary Product)

A proprietary reverse mortgage is a private loan that allows you to convert a portion of your home's equity into cash. As private loans, proprietary reverse mortgages are offered and insured by private lenders and are not backed by the government. These loans are also known as jumbo reverse mortgages, since lenders can lend amounts larger than the federal limit. All borrowers on loan must be 55 years or older.

HECM For Purchase

(Home Equity Conversion Mortgage)

HECM for purchase is a home equity conversion mortgage where a borrower comes in with proceeds from the sale of a home as a down payment. They utilize the reverse product to fund the rest of the home to give them no monthly mortgage payment. This is a very popular product for upsizing, downsizing or relocation.
How a home equity conversion mortgage (HECM) compares to a conventional mortgage:
  • Homeowner maintains title and ownership
  • Homeowner is responsbile for taxes insurance and maintenance
  • Loans are secured by notes and deeds
  • Closing costs are similar for HECM & tradtional mortgage
  • No monthly mortgage payments are required with a reverse mortgage
  • A HECM credit line can never be reduced; it's guaranteed to increase over time, regardless of loan balance or home value
  • Borrower can never be required to repay more than the home is worth (non-recourse loan), and pays a modest FHA insurance premium to gain these benefits
  • Borrowers must be 62 in order to apply for a reverse mortgage
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Examine the needed documents
Documents Needed
  • Verification Documents: Drivers License, Government Issued ID, Social Security Card
  • Mortgage Statement, if applicable
  • HOA Statement, if applicable
  • Property Tax Bill
  • Insurance Binder or Homeowners Insurance Statement and contact information
Income Checklist

In order to process your mortgage application efficiently and ensure the most accurate loan assessment, it's essential that you provide comprehensive income documentation. This not only helps us understand your financial stability but also ensures that you receive a mortgage program tailored to your financial capabilities. Depending on your sources of income, different documentation will be required.


  • ​Notice of Award Letter PLUS 1 of the 3 below:
    • Federal Tax Return or Bank Statement Reflecting Receipt of income from SS Administration
    • Copy of Social Security Benefit Statement
    • Form SSA-1099 and most recent Bank Statement


  • 2 Years Tax Returns with all Schedules (C, C-EZ or E or 4506T Authorization​
  • Schedule K-1
  • Year to Date Profit and Loss Statement


  • Most Recent Pay Stub covering 30 consecutive days
  • Verification of Employment covering 2 years OR
  • Copies of IRS W-2 forms for prior 2 years


  • Most Recent Statement AND
  • 2 Years Tax Returns
  • Most Recent Bank Statement Showing Receipt of Income


  • Provide at least one of the following:
    • A copy of borrower's Pension/Retirement Letter from former employer, confirming pension will be received for at least 3 years
    • Federal Tax Returns AND Pension Letter
    • Most Recent Bank Statement showing receipt of income from former employer AND Pension/Retirement Letter
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Our Team
Peter Morris headshotPeter MorrisVP of Reverse Mortgage LendingNMLS # 16268
John Bellas headshotJohn BellasLoan OfficerNMLS # 911039
Becky Arnold headshotBecky ArnoldLoan OfficerNMLS # 2381703
Gregg Scharin headshotGregg ScharinSr Loan OfficerNMLS # 120297
Nicole Webster headshotNicole WebsterBusiness Development Manager
Let's connect
Peter MorrisVP of Reverse Mortgage LendingNMLS: 16268

2266 South Dobson Road
Suite 200, Office 217
Mesa, AZ 85202

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