​Welcome
I'm George Stewart, a reverse mortgage specialist serving  the entire State of South Carolina by providing the government insured Home Equity Conversion Mortgage loan product to homeowners, 62 years and older. I also offer a suite of Jumbo Reverse Mortgage products for higher value properties.

​My goal is give my clients the ability to safely "age in place"​ in their own homes with no monthly principal and interest payment required.

I became a  Reverse Mortgage Consultant in 2002 after seeing the many benefits my mother received after taking out a Reverse Mortgage of her own.

Reverse Mortgage  loans can be extremely effective in allowing a senior homeowner to:

* Purchase a home with a HECM for Purchase loan
* Pay off existing mortgages to improve cash flow
* Receive payments to supplement monthly income (HECM)
* Make home improvements
* Payoff medical and/or credit card debt
* Establish a line of credit for future needs or expenses (HECM)

Speak with a Reverse Mortgage Consultant

If you don't speak with a reverse mortgage specialist, how do you know if you are getting
the most current information to base your decision on?

Make sure you talk with a Licensed Professional, that specializes in
Reverse Mortgage Origination.

Questions to Ask your Loan Officer: 

* Do you Specialize in Reverse Mortgages?
* Have you been specifically trained to advise about Reverse Mortgages? 
* How long have you been originating Reverse Mortgages?
* Are you a member of NRMLA ?  (National Association of Reverse Mortgage Lenders)
* Do your company have an office in SC?
* Do you reside in SC?
* Can we meet face to face if I choose?

What Is a Reverse Mortgage Consultant?

A Reverse Mortgage Consultant is the primary industry designation for a licensed mortgage loan officer who specializes in Reverse Mortgage origination.
Other designations include Reverse Mortgage Specialist, Reverse Mortgage Loan Officer, HECM Specialist, Reverse Mortgage Originator and Reverse Mortgage Expert.

Reverse Mortgage Education

My goal is to help you understand what a reverse mortgage is, how it works, and the way it might be applied to your financial situation. I won’t try to talk you into anything you don’t want, need, or understand. You can expect helpful information in a relaxed atmosphere, with no hard selling or pressure of any kind

Speak to an Expert

I have been a Reverse Mortgage Specialist for over 13 years. I don't originate anything but Reverse Mortgage loans. A Reverse Mortgage  is a complex transaction and you need a dedicated full time reverse mortgage specialist to help you understand your options.


Choose your HECM mortgage partner carefully. They will be with you for many years to come. 
George Stewart-South Carolina Reverse Mortgage Specialist

Reverse Mortgage Myths vs Facts

Reverse Mortgage Myths are many and I have only listed some of the most common along with the Reverse Mortgage Facts. *
* Click on any myth to see the facts

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Myth # 1- The lender will own my home

FACT-  YOU REMAIN THE HOMEOWNER AND STAY ON TITLE AFTER OBTAINING A REVERSE MORTGAGE. AS THE HOMEOWNER YOU WILL CONTINUE TO BE RESPONSIBLE FOR PAYING THE PROPERTY TAXES AND HOMEOWNERS INSURANCE, MAINTAINING THE HOUSE AND LIVING THERE AS YOUR PRIMARY RESIDENCE.

Myth # 2- my medicare and social security benefits will be affected

FACT- MEDICARE AND SOCIAL SECURITY RETIREMENT BENEFITS SHOULD NOT BE AFFECTED BY A REVERSE MORTGAGE *
* SSI and  Medicaid may be affected. Please consult the proper government agency for answers to your particular situation.

myth # 3- the lender could force me to leave my home

FACT-  NOT AS LONG AS YOU CONTINUE TO OWN AND OCCUPY THE HOME AS YOUR PRIMARY RESIDENCE. YOU RETAIN THE RESPONSIBILITY FOR PAYING THE PROPERTY TAXES AND ANY OTHER PROPERTY CHARGES, HOMEOWNER S INSURANCE, AND MAINTENANCE.

mYth # 4- I will have to pay taxes on the money i receive

FACT- THE FUNDS FROM A REVERSE MORTGAGE ARE GENERALLY CONSIDERED AS LOAN PROCEEDS AND NOT TAXABLE INCOME**
** Please consult a tax advisor

MYTH # 5- MY CHILDREN WILL HAVE TO REPAY THE REVERSE MORTGAGE LOAN

FACT- A REVERSE MORTGAGE IS A NON-RECOURSE LOAN.
YOU CAN NEVER OWE MORE THAN THE VALUE OF THE HOME.
YOUR HEIRS WILL NOT BE RESPONSIBLE FOR THE DEBT.
THEY CAN PAY OFF THE LOAN AND KEEP THE HOUSE, OR SELL IT AND KEEP THE PROFIT.
IF THE LOAN IS UPSIDE DOWN, THEN THEY CAN WALK AWAY AND OWE NOTHING.

MYTH # 6- ONLY POOR PEOPLE GET A REVERSE MORTGAGE

FACT- A REVERSE MORTGAGE IS DESIGNED FOR ANYONE SEEKING TO MAKE THE MOST OF THEIR RETIREMENT. MANY AFFLUENT SENIORS ARE GETTING REVERSE MORTGAGES AS PART OF A FINANCIAL PLANNING STRATEGY TO ENHANCE THEIR QUALITY OF LIFE.

MYTH # 7- THE LENDER WILL EVICT ME IF I OUTLIVE MY LIFE EXPECTANCY

FACT- REVERSE MORTGAGE LENDERS DO NOT PUT A TIME LIMIT ON HOW LONG BORROWERS MAY STAY IN THEIR HOMES.

MYTH # 8- I HAVE A MORTGAGE NOW SO I CAN'T GET A REVERSE MORTGAGE

IT DEPENDS ON HOW MUCH EQUITY YOU STILL HAVE IN THE HOME.
FACT- IF THE HOUSE ISN'T PAID OFF, THE PROCEEDS YOU RECEIVE MUST FIRST BE USED TO PAY OFF ANY EXISTING MORTGAGE. THIS IS ONE OF THE MOST COMMON REASONS GIVEN FOR TAKING OUT A REVERSE MORTGAGE.

Speak With a  Reverse Mortgage Specialist for More Information.
​I will gladly answer all your questions and help you understand the Reverse Mortgage process from  beginning to end. 
​
My contact information is below.

I will be glad to meet with you face to face. For your convenience, we can  meet in the privacy and convenience of your home.                

​George Stewart-Reverse Mortgage Consultant

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