1. How long did it take them to get back to you?

• If it took a long time for them to get back to you before you start working with them, then it may be even more difficult to reach them once you start the process. You want your person to be available and supportive to you during the whole process. Start to finish.

2. How many years experience do they have in the mortgage industry? And of these years how many have been focused on Reverse Mortgages?

• Taking out a reverse mortgage may be the biggest decision of your life. You deserve a Mortgage Loan Originator that has knowledge, know how and experience. With knowledge, experience and age comes wisdom. You want someone who can support you to find out what is best for you, even if that means saying ‘No, this may not be a good program for you’.

3. Are they Local?

• What options do you have to learn more about them? Will they take the time to not only sit with you in their office, but also take the time to travel to your home?

• Do they understand our local Hawaii real estate market.

4. Do they have access to the major types of reverse mortgages?

• When you’re considering reverse mortgages there are choices to make and it’s important to make the right choice. One example is having a choice between a fixed and an adjustable interest rate.

5. How to they relate to you and other people?

• Are they easy to talk with?

• Are you comfortable around them?

• Do you feel you can ask questions anytime or do you feel they are too busy for you?

• Do they have aloha?

• Do they take time for you to talk with you about your special circumstances?

6. Do they have verifiable local references?

• It’s important to talk to others who have worked with them throughout the process, from beginning to end.

• Were they honorable, responsive, helpful and accommodating?

7. Did they offer to give you the tools you need to answer your own questions?

• Do they have a website?

• Do they have a DVD or written materials explaining the pros and cons of a reverse mortgage?

8. Did they offer to meet with your family?

• Most family’s talk about these things openly, the more you have input, the better informed you will be, and the easier it will be to make the right decision as to whether a reverse mortgage is right for you.

Use these guidelines when you contact and meet up with potential Reverse Mortgage lenders. Having the right professional is vital to your financial success.