What does the reverse mortgage process actually look like—from start to finish? In this episode of Retire Without Mortgage, Mike Baltazar breaks down the entire journey, from your first consultation through counseling, appraisal, underwriting, and closing.

You’ll also learn why working with a mortgage broker like Mike—who partners with nine different reverse mortgage lenders—gives you more options, better terms, and a higher chance of approval than working with someone limited to just one or two.

📩 Questions? Email us at [email protected]

Waiting for the “perfect time” to get a reverse mortgage could cost you — big time.

In this episode of Retire Without Mortgage, Mike Baltazar shares the real-life story of Bill, a 78-year-old homeowner who delayed getting a reverse mortgage in hopes of avoiding any out-of-pocket costs. But as interest rates climbed, Bill's hesitation ended up costing him thousands more.

Learn why waiting too long can backfire, how market changes impact your borrowing power, and why acting sooner can protect both your finances and your loved ones.

If you’re considering a reverse mortgage, this episode is a must-listen.

📩 Have questions?

Email us at [email protected]

A reverse mortgage can be a powerful financial tool, but is it the right fit for you? In this episode of Retire Without Mortgage, Mike Baltazar walks through the key factors every homeowner should consider before making a decision.

Learn who benefits most from a reverse mortgage, who should explore other options, and how to evaluate whether this strategy aligns with your long-term financial goals.

If you’re wondering whether a reverse mortgage could enhance your retirement, this episode is a must-listen.

📩 Questions? Email us at ⁠[email protected]⁠

There’s a lot of misinformation about reverse mortgages—but what’s really true? In this episode of Retire Without Mortgage, Mike Baltazar clears up the biggest misconceptions, from “losing ownership of your home” to concerns about heirs and costs. Learn how a reverse mortgage can provide financial flexibility without the risks many people assume. If you’ve ever had doubts about this strategy, this episode will give you the facts you need to make an informed decision.

📩 Questions? Email us at [email protected]

What if your home could provide the financial security you need without requiring a monthly mortgage payment?

In this episode of Retire Without Mortgage, Mike Baltazar shares real-life stories of retirees who embraced financial flexibility by unlocking their home equity. From eliminating debt to creating a financial safety net, these homeowners turned their biggest asset into a retirement game-changer.

Could this strategy work for you? Tune in to find out.

📩 Questions? Email us at [email protected]

For many retirees, their home is more than just a place to live—it’s a symbol of hard work, memories, and a legacy for their children. But are you holding onto your home because it’s the best financial decision for you, or because you feel obligated to?

In this episode of Retire Without Mortgage, Mike Baltazar explores the emotional and financial realities of homeownership in retirement, why your kids may not want the house as much as you think, and how a reverse mortgage can help you enjoy retirement without sacrificing your family’s future.

📩 Questions?

Email us at [email protected]

Many retirees believe that a paid-off home equals financial security—but what if that belief is holding you back? In this episode of Retire Without Mortgage, Mike Baltazar challenges the traditional mindset around homeownership and explores how unused home equity could be costing you more than you think. Learn why a reverse mortgage isn’t about losing your home—it’s about gaining financial flexibility, reducing risk, and ensuring your retirement works for you.

📩 Questions?

Email us at [email protected]

Many retirees are house-rich but cash-flow poor—they’ve worked their entire lives to pay off their home, but now that very home is holding them back financially. In this episode of Retire Without Mortgage, Mike Baltazar recaps key lessons from the first 12 episodes and dives into the retirement dilemma: Home equity vs. cash flow. Learn how a reverse mortgage can turn a financial burden into a financial resource, allowing you to unlock liquidity, protect your savings, and secure a more comfortable retirement.

📩 Questions?

Email us at [email protected]

Exciting news! In this episode, Mike Baltazar unveils the rebrand of our podcast to Retire Without Mortgage.

Discover why this shift matters, how it builds on the same financial principles we’ve been discussing, and how we’re expanding our focus to help retirees make smarter, more strategic choices with their home equity. Whether you aim to retire mortgage-free or optimize your retirement with a strategic mortgage, this podcast is your guide.

📩 Have questions?

Email us at [email protected].

If you had $500K to buy a house... would you have wanted to know that your $500K could have bought a $700K without requiring a monthly mortgage payment? 

Check out today's episode to learn more about this scenario.

Enjoy,

Mike & Team