{"id":76,"date":"2023-09-11T10:06:16","date_gmt":"2023-09-11T10:06:16","guid":{"rendered":"https:\/\/local.americansenior.com\/thad-stanley\/?page_id=76"},"modified":"2026-04-02T16:04:39","modified_gmt":"2026-04-02T16:04:39","slug":"homepage","status":"publish","type":"page","link":"https:\/\/local.americansenior.com\/thad-stanley\/","title":{"rendered":"Homepage"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-page\" data-elementor-id=\"76\" class=\"elementor elementor-76\">\n\t\t\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-c6a6c84 elementor-section-height-min-height elementor-section-items-bottom elementor-section-boxed elementor-section-height-default\" data-id=\"c6a6c84\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-73f7683\" data-id=\"73f7683\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap\">\n\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-2cfefb5\" data-id=\"2cfefb5\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9b2f74d elementor-widget elementor-widget-heading\" data-id=\"9b2f74d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Reverse Mortgage Guidance In Lincoln, CA And Placer County<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-a77c325 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"a77c325\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-c0f615a\" data-id=\"c0f615a\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e851bef elementor-widget elementor-widget-shortcode\" data-id=\"e851bef\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><figure class=\"\"><img decoding=\"async\" src=\"https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2025\/03\/Stanley-Thad_Headshot_Cropped1.pdf-287x300.jpg\" alt=\"LO Image\"><\/figure><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-afaba39\" data-id=\"afaba39\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-929a78e elementor-widget__width-initial elementor-widget elementor-widget-shortcode\" data-id=\"929a78e\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><h4 class=\"officer-title\">Thad Stanley<\/h4>\n<p class=\"font20\">NMLS #1284368<\/p>\n<p class=\"position font20\">Mortgage Loan Originator - Specializing in Reverse Mortgages<\/p>\n<strong class=\"font20\"><a href=\"tel:916-768-5916\">916-768-5916<\/a><\/strong>\n<p class=\"font20\"><a href=\"mailto:tstanley@americansenior.com\">tstanley@americansenior.com<\/a><\/p>\n<p class=\"font20\">American Senior Lending<\/p>\n<p class=\"font20\">Company NMLS #7147<\/p>\n<p class=\"font20\">7777 Greenback Lane, Suite 205<br>Citrus Heights, CA 95610<\/p>\n\n<p class=\"font20\">Branch NMLS #288881<\/p><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<div class=\"elementor-element elementor-element-9a60250 elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"9a60250\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/local.americansenior.com\/thad-stanley\/what-is-a-reverse-mortgage\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Learn about reverse mortgages<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6079290 elementor-widget__width-auto elementor-widget elementor-widget-button\" data-id=\"6079290\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/local.americansenior.com\/thad-stanley\/about\/#get-in-touch\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Get in touch with me<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5a15fa3 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5a15fa3\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-3b65ecc\" data-id=\"3b65ecc\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0b34701 elementor-widget elementor-widget-heading\" data-id=\"0b34701\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Reverse Mortgage Help For Lincoln And Placer County Homeowners<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-79155ae elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"79155ae\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If You Live In Lincoln, California Or Nearby Placer County Communities And Want To Learn Whether A Reverse Mortgage Could Improve Cash Flow Or Support Retirement Planning, Thad Stanley Can Help You Understand Your Options Clearly. From Eligibility Questions To Loan Scenarios, The Goal Is To Help You Make An Informed Decision Without Pressure.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-914ab56 elementor-widget elementor-widget-spacer\" data-id=\"914ab56\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-85d5368 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"85d5368\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-d2d18d4\" data-id=\"d2d18d4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7ee27d6 elementor-widget elementor-widget-heading\" data-id=\"7ee27d6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Reverse Mortgages, Explained.<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-48ec54b elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"48ec54b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tIn simple terms, a reverse mortgage is a way to turn the equity you\u2019ve built up in your home into funds you can use today, or a line of credit that will be there for you in the future. Here are some of the features of a reverse mortgage loan.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18a9e48 elementor-widget elementor-widget-spacer\" data-id=\"18a9e48\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-db3ee40 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"db3ee40\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-dfee2ab\" data-id=\"dfee2ab\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-f729b29 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"f729b29\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"79\" height=\"76\" viewBox=\"0 0 79 76\" fill=\"none\"><path d=\"M79 66.4311H77.3123V49.0802L66.6631 37.0398H48.1493L42.445 43.5025L34.2598 34.1841H13.3833L1.68767 47.477V66.4311H0V46.8591L12.6069 32.5142H35.0192L42.445 40.9642L47.3899 35.3698H67.4226L79 48.4623V66.4311Z\" fill=\"#E17881\"><\/path><path d=\"M23.8124 25.9679C16.5723 25.9679 10.6992 20.1398 10.6992 12.9923C10.6992 5.84487 16.5892 0 23.8124 0C31.0357 0 36.9257 5.82817 36.9257 12.9756C36.9257 20.1231 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elementor-widget elementor-widget-counter\" data-id=\"8faedb2\" data-element_type=\"widget\" data-settings=\"{&quot;_position&quot;:&quot;absolute&quot;}\" data-widget_type=\"counter.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-counter\">\n\t\t\t\t\t\t<div class=\"elementor-counter-number-wrapper\">\n\t\t\t\t<span class=\"elementor-counter-number-prefix\"><\/span>\n\t\t\t\t<span class=\"elementor-counter-number\" data-duration=\"2000\" data-to-value=\"55\" data-from-value=\"0\" data-delimiter=\",\">0<\/span>\n\t\t\t\t<span class=\"elementor-counter-number-suffix\">+<\/span>\n\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-0a31b0e elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"0a31b0e\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p data-renderer-start-pos=\"4605\"><span class=\"fabric-text-color-mark\" data-renderer-mark=\"true\" data-text-custom-color=\"#36b37e\">Some products are available to homeowners as young as 55 and up in select states.\u00a0 The HECM Reverse Mortgage product is for homeowners 62 and over.<\/span><\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-5917ee4\" data-id=\"5917ee4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6b7ff84 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"6b7ff84\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"83\" height=\"80\" viewBox=\"0 0 83 80\" fill=\"none\"><g clip-path=\"url(#clip0_6217_12860)\"><path d=\"M80.0527 27.8547H25.7956C24.1637 27.8547 22.8477 29.1523 22.8477 30.7613V61.4015C22.8477 63.0104 24.1637 64.308 25.7956 64.308H80.0527C81.6847 64.308 83.0007 63.0104 83.0007 61.4015V30.7613C83.0007 29.1523 81.6847 27.8547 80.0527 27.8547ZM25.7956 29.5848H80.0527C80.7195 29.5848 81.246 30.1039 81.246 30.7613V35.0001H24.6024V30.7613C24.6024 30.1212 25.1288 29.5848 25.7956 29.5848ZM80.0527 62.5779H25.7956C25.1288 62.5779 24.6024 62.0589 24.6024 61.4015V37.0416H81.246V61.4015C81.246 62.0589 80.7195 62.5779 80.0527 62.5779Z\" fill=\"#E17881\"><\/path><path d=\"M64.4698 78.2699H1.75476V28.7716L33.1123 2.28374L52.6427 18.7889H55.3275L33.1123 0L0 27.9758V80H66.2245V73.218H64.4698V78.2699Z\" fill=\"#E17881\"><\/path><path d=\"M54.8355 49.4119H29.918V51.142H54.8355V49.4119Z\" fill=\"#E17881\"><\/path><path d=\"M46.5004 55.3115H29.918V57.0416H46.5004V55.3115Z\" fill=\"#E17881\"><\/path><path d=\"M71.0689 48.9L66.4531 53.4509L71.0689 58.0019L75.6847 53.4509L71.0689 48.9Z\" fill=\"#E17881\"><\/path><\/g><defs><clipPath id=\"clip0_6217_12860\"><rect width=\"83\" height=\"80\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-e874002 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"e874002\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Similar to a line of credit\u2014with a flexible payment schedule.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-33 elementor-inner-column elementor-element elementor-element-cb26972\" data-id=\"cb26972\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-0e42326 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"0e42326\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"117\" height=\"63\" viewBox=\"0 0 117 63\" fill=\"none\"><g clip-path=\"url(#clip0_6217_12852)\"><path d=\"M99.1678 55.3427H27.3645L16.25 45.0907V27.508L27.3645 17.2742H99.1678L110.264 27.508V45.0726L99.1678 55.3246V55.3427ZM27.905 53.9092H98.6094L108.841 44.4556V28.1431L98.6094 18.7076H27.905L17.6731 28.1431V44.4556L27.905 53.9092Z\" fill=\"#E17881\"><\/path><path d=\"M7.24157 53.4012H0V0H107.471V7.29435H106.048V1.43347H1.42309V51.9677H7.24157V53.4012Z\" fill=\"#E17881\"><\/path><path d=\"M117.002 63.0001H9.53125V9.59888H117.002V63.0001ZM10.9543 61.5666H115.579V11.0323H10.9543V61.5848V61.5666Z\" fill=\"#E17881\"><\/path><path d=\"M47.5036 47.867V45.7985C44.9636 45.617 43.2703 44.4376 42.0273 42.7864L43.5045 41.4437C44.5853 42.8771 45.8463 43.7662 47.5216 44.0021V37.5062C44.0809 36.7259 42.5497 35.3106 42.5497 32.6977C42.5497 30.0848 44.5853 28.4336 47.4855 28.1433V26.0747H49.0347V28.1251C51.2865 28.3247 52.9257 29.3045 54.1327 30.9739L52.6015 32.1352C51.7728 30.9739 50.62 30.1574 49.0167 29.9396V35.8549L49.2509 35.9094C52.7096 36.6896 54.2407 38.0868 54.2407 40.736C54.2407 43.6211 52.2412 45.49 49.0527 45.7985V47.867H47.5036ZM47.5216 35.5283V29.9396C45.7202 30.1755 44.5313 31.0828 44.5313 32.5344C44.5313 34.2582 45.504 34.9658 47.5216 35.5102V35.5283ZM49.0347 37.7783V44.0021C51.0163 43.7481 52.2772 42.5868 52.2772 40.863C52.2772 39.1392 51.3765 38.3408 49.0347 37.7783Z\" fill=\"#E17881\"><\/path><path d=\"M62.5075 47.867V45.7985C59.9675 45.617 58.2742 44.4376 57.0312 42.7864L58.5084 41.4437C59.5892 42.8771 60.8502 43.7662 62.5255 44.0021V37.5062C59.0848 36.7259 57.5537 35.3106 57.5537 32.6977C57.5537 30.0848 59.5892 28.4336 62.4894 28.1433V26.0747H64.0386V28.1251C66.2904 28.3247 67.9296 29.3045 69.1366 30.9739L67.6054 32.1352C66.7767 30.9739 65.6239 30.1574 64.0206 29.9396V35.8549L64.2548 35.9094C67.7135 36.6896 69.2446 38.0868 69.2446 40.736C69.2446 43.6211 67.2451 45.49 64.0567 45.7985V47.867H62.5075ZM62.5255 35.5283V29.9396C60.7241 30.1755 59.5352 31.0828 59.5352 32.5344C59.5352 34.2582 60.5079 34.9658 62.5255 35.5102V35.5283ZM64.0386 37.7783V44.0021C66.0202 43.7481 67.2811 42.5868 67.2811 40.863C67.2811 39.1392 66.3804 38.3408 64.0386 37.7783Z\" fill=\"#E17881\"><\/path><path d=\"M77.5153 47.867V45.7985C74.9753 45.617 73.282 44.4376 72.0391 42.7864L73.5162 41.4437C74.597 42.8771 75.858 43.7662 77.5333 44.0021V37.5062C74.0926 36.7259 72.5615 35.3106 72.5615 32.6977C72.5615 30.0848 74.597 28.4336 77.4973 28.1433V26.0747H79.0465V28.1251C81.2982 28.3247 82.9374 29.3045 84.1444 30.9739L82.6132 32.1352C81.7846 30.9739 80.6317 30.1574 79.0284 29.9396V35.8549L79.2626 35.9094C82.7213 36.6896 84.2525 38.0868 84.2525 40.736C84.2525 43.6211 82.2529 45.49 79.0645 45.7985V47.867H77.5153ZM77.5333 35.5283V29.9396C75.7319 30.1755 74.543 31.0828 74.543 32.5344C74.543 34.2582 75.5157 34.9658 77.5333 35.5102V35.5283ZM79.0465 37.7783V44.0021C81.028 43.7481 82.289 42.5868 82.289 40.863C82.289 39.1392 81.3883 38.3408 79.0465 37.7783Z\" fill=\"#E17881\"><\/path><\/g><defs><clipPath id=\"clip0_6217_12852\"><rect width=\"117\" height=\"63\" fill=\"white\"><\/rect><\/clipPath><\/defs><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4ef1703 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"4ef1703\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You determine your monthly mortgage payment. Or opt not to make a monthly mortgage payment. Like with any mortgage, taxes and insurance payments are still required and it is your responsibility to maintain your home.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d74e27d elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d74e27d\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-3b18b2f\" data-id=\"3b18b2f\" data-element_type=\"column\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-9e54908 elementor-widget elementor-widget-image\" data-id=\"9e54908\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"471\" height=\"482\" src=\"https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2023\/09\/RMF-Home.svg\" class=\"attachment-large size-large wp-image-54\" alt=\"\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-top-column elementor-element elementor-element-9b12d4d\" data-id=\"9b12d4d\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-43c6175 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"43c6175\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Wondering what the catch is? There isn\u2019t one.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5c9303a elementor-widget elementor-widget-text-editor\" data-id=\"5c9303a\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<ul><li>At American Senior Lending, we don\u2019t believe in surprises. Especially when it comes to your interest rate.<\/li><li>You\u2019ll never be liable for any amount of the mortgage that exceeds the value of your house.<\/li><li>Your house still belongs to you. Pay off your loan at any time.\u00a0 As with any mortgage, there is a risk of foreclosure if the borrower defaults.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18a079c elementor-widget elementor-widget-spacer\" data-id=\"18a079c\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-49519b5 elementor-widget elementor-widget-button\" data-id=\"49519b5\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/local.americansenior.com\/thad-stanley\/about\/#get-in-touch\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Ask us anything<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-7a48c52 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"7a48c52\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-a2913f4\" data-id=\"a2913f4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-8e47781 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"8e47781\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Finally, a reverse morgage that\u2019s completely straightforward.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8478533 elementor-widget elementor-widget-spacer\" data-id=\"8478533\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7d661b3 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"7d661b3\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>We\u2019re not like other reverse mortgage lenders. We guide you through every step of the process. In person. Clearly. Honestly. Transparently. It\u2019s just the way we do things.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82149f4 elementor-widget elementor-widget-spacer\" data-id=\"82149f4\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-0ab9204 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"0ab9204\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-9700362\" data-id=\"9700362\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-2f2ecce elementor-widget elementor-widget-image\" data-id=\"2f2ecce\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"738\" src=\"https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2023\/09\/image1-1024x738.jpg\" class=\"attachment-large size-large wp-image-56\" alt=\"\" srcset=\"https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2023\/09\/image1-1024x738.jpg 1024w, https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2023\/09\/image1-300x216.jpg 300w, https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2023\/09\/image1-768x554.jpg 768w, https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2023\/09\/image1.jpg 1140w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-2f63bc4\" data-id=\"2f63bc4\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cdcd1f4 elementor-widget elementor-widget-heading\" data-id=\"cdcd1f4\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Full transparency &amp; integrity<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-c32614b elementor-widget elementor-widget-text-editor\" data-id=\"c32614b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Reverse mortgages are a great financial tool. We\u2019d love to show you how one could work for you if you qualify. We\u2019ll also be the first to tell you if it\u2019s not a good fit.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-6e9e9b6 elementor-section-content-middle elementor-reverse-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"6e9e9b6\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-3e96e98\" data-id=\"3e96e98\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-6419cea elementor-widget elementor-widget-heading\" data-id=\"6419cea\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Unsurpassed customer service<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ca921d2 elementor-widget__width-initial elementor-widget elementor-widget-text-editor\" data-id=\"ca921d2\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>You\u2019ll notice the American Senior Lending difference the second you sit down with us \u2014starting with the fact that we actually sit down with you, face to face.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-f1059ac\" data-id=\"f1059ac\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-09a6ad2 elementor-widget elementor-widget-image\" data-id=\"09a6ad2\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"1024\" height=\"738\" src=\"https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2023\/09\/image2-1024x738.jpg\" class=\"attachment-large size-large wp-image-57\" alt=\"\" srcset=\"https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2023\/09\/image2-1024x738.jpg 1024w, https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2023\/09\/image2-300x216.jpg 300w, https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2023\/09\/image2-768x554.jpg 768w, https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2023\/09\/image2.jpg 1140w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-fd34f14 elementor-section-content-middle elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"fd34f14\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-41a8478\" data-id=\"41a8478\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-ef18a6a elementor-widget elementor-widget-image\" data-id=\"ef18a6a\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2026\/04\/Lincoln-Reverse-Mortgage-Lender-1024x683.jpg\" class=\"attachment-large size-large wp-image-328\" alt=\"Lincoln Reverse Mortgage Lender Serving Placer County Homeowners\" srcset=\"https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2026\/04\/Lincoln-Reverse-Mortgage-Lender-1024x683.jpg 1024w, https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2026\/04\/Lincoln-Reverse-Mortgage-Lender-300x200.jpg 300w, https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2026\/04\/Lincoln-Reverse-Mortgage-Lender-768x512.jpg 768w, https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2026\/04\/Lincoln-Reverse-Mortgage-Lender-1536x1024.jpg 1536w, https:\/\/local.americansenior.com\/thad-stanley\/wp-content\/uploads\/sites\/22\/2026\/04\/Lincoln-Reverse-Mortgage-Lender-2048x1365.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t<div class=\"elementor-column elementor-col-50 elementor-inner-column elementor-element elementor-element-57b339f\" data-id=\"57b339f\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-cf4aa0e elementor-widget elementor-widget-heading\" data-id=\"cf4aa0e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h4 class=\"elementor-heading-title elementor-size-default\">Local reverse mortgage expertise in Lincoln And Placer County<\/h4>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-431f79b elementor-widget elementor-widget-text-editor\" data-id=\"431f79b\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Thad Stanley works with homeowners in Lincoln, Roseville, Rocklin, Auburn, and nearby Placer County communities who want to better understand their reverse mortgage options.<\/p><p>With access to programs for qualified homeowners age 62 and older, as well as select options that may be available starting at age 55, this guidance is built around helping local homeowners turn equity into greater retirement flexibility.\u00a0<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-d269209 elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"d269209\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-379ed37\" data-id=\"379ed37\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-7b7eb65 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"7b7eb65\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Here is what a few of my customers have to say.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<section class=\"elementor-section elementor-inner-section elementor-element elementor-element-3f7fd71 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"3f7fd71\" data-element_type=\"section\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-inner-column elementor-element elementor-element-3bcd5c9\" data-id=\"3bcd5c9\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-62e4a8b elementor-testimonial--align-left elementor-testimonial--layout-image_above elementor-testimonial--skin-default elementor-arrows-yes elementor-widget elementor-widget-testimonial-carousel\" data-id=\"62e4a8b\" data-element_type=\"widget\" data-settings=\"{&quot;slides_per_view&quot;:&quot;3&quot;,&quot;show_arrows&quot;:&quot;yes&quot;,&quot;speed&quot;:500,&quot;autoplay&quot;:&quot;yes&quot;,&quot;autoplay_speed&quot;:5000,&quot;loop&quot;:&quot;yes&quot;,&quot;pause_on_hover&quot;:&quot;yes&quot;,&quot;pause_on_interaction&quot;:&quot;yes&quot;,&quot;space_between&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_tablet&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]},&quot;space_between_mobile&quot;:{&quot;unit&quot;:&quot;px&quot;,&quot;size&quot;:10,&quot;sizes&quot;:[]}}\" data-widget_type=\"testimonial-carousel.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-swiper\">\n\t\t\t<div class=\"elementor-main-swiper swiper-container\">\n\t\t\t\t<div class=\"swiper-wrapper\">\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\t<div class=\"star-rating\"><img decoding=\"async\" src=\"https:\/\/local.americansenior.com\/mark-eshelman\/wp-content\/uploads\/sites\/3\/2023\/10\/star-rating.png\"><\/div>\nDavid was very efficient; he did not waste time I was able to get the funds right away. I can compare the expedient efficiency....<a href=\"https:\/\/local.americansenior.com\/david-houghten\/testimonials\/\">read more<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Christina H.<\/span><\/cite>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\t<div class=\"star-rating\"><img decoding=\"async\" src=\"https:\/\/local.americansenior.com\/mark-eshelman\/wp-content\/uploads\/sites\/3\/2023\/10\/star-rating.png\"><\/div>\nI was kept updated as we progressed frequently. Document requirements were handled efficiently....<a href=\"https:\/\/local.americansenior.com\/david-houghten\/testimonials\/\">read more<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Irving D.<\/span><\/cite>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\t<div class=\"star-rating\"><img decoding=\"async\" src=\"https:\/\/local.americansenior.com\/mark-eshelman\/wp-content\/uploads\/sites\/3\/2023\/10\/star-rating.png\"><\/div>\nDavid worked tirelessly to get my reverse mortgage funded\u2026.He was very respectful and understanding....<a href=\"https:\/\/local.americansenior.com\/david-houghten\/testimonials\/\">read more<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Ammon W.<\/span><\/cite>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t<div class=\"swiper-slide\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-testimonial\">\n\t\t\t\t\t\t\t<div class=\"elementor-testimonial__content\">\n\t\t\t\t\t<div class=\"elementor-testimonial__text\">\n\t\t\t\t\t\t<div class=\"star-rating\"><img decoding=\"async\" src=\"https:\/\/local.americansenior.com\/mark-eshelman\/wp-content\/uploads\/sites\/3\/2023\/10\/star-rating.png\"><\/div>\nDavid Houghton was outstanding from start to finish. He provided complete instructions for us to follow....<a href=\"https:\/\/local.americansenior.com\/david-houghten\/testimonials\/\">read more<\/a>\t\t\t\t\t<\/div>\n\t\t\t\t\t<cite class=\"elementor-testimonial__cite\"><span class=\"elementor-testimonial__name\">Jewel P.<\/span><\/cite>\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-testimonial__footer\">\n\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-prev\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-left\"><\/i>\t\t\t\t\t\t\t<span class=\"elementor-screen-only\">Previous<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<div class=\"elementor-swiper-button elementor-swiper-button-next\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"eicon-chevron-right\"><\/i>\t\t\t\t\t\t\t<span class=\"elementor-screen-only\">Next<\/span>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-56eef0c elementor-widget elementor-widget-text-editor\" data-id=\"56eef0c\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>Showing our 5 star reviews<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<section class=\"elementor-section elementor-top-section elementor-element elementor-element-5450683 elementor-section-boxed elementor-section-height-default elementor-section-height-default\" data-id=\"5450683\" data-element_type=\"section\" data-settings=\"{&quot;background_background&quot;:&quot;classic&quot;}\">\n\t\t\t\t\t\t<div class=\"elementor-container elementor-column-gap-default\">\n\t\t\t\t\t<div class=\"elementor-column elementor-col-100 elementor-top-column elementor-element elementor-element-9250890\" data-id=\"9250890\" data-element_type=\"column\">\n\t\t\t<div class=\"elementor-widget-wrap elementor-element-populated\">\n\t\t\t\t\t\t<div class=\"elementor-element elementor-element-e107997 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"e107997\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Questions? We've got answers.<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4988a07 elementor-widget elementor-widget-spacer\" data-id=\"4988a07\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-82c074e elementor-widget__width-initial accordion_wrapper elementor-widget elementor-widget-accordion\" data-id=\"82c074e\" data-element_type=\"widget\" data-widget_type=\"accordion.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion\">\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1371\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-1371\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"35\" viewBox=\"0 0 34 35\" fill=\"none\"><line x1=\"17\" y1=\"0.0410157\" x2=\"17\" y2=\"34.041\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><line x1=\"34\" y1=\"17.541\" x2=\"-1.74846e-07\" y2=\"17.541\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"49\" height=\"49\" viewBox=\"0 0 49 49\" fill=\"none\"><line x1=\"36.0627\" y1=\"12.0207\" x2=\"12.021\" y2=\"36.0623\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><line x1=\"35.7108\" y1=\"36.4162\" x2=\"11.6692\" y2=\"12.3745\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is a reverse mortgage?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1371\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-1371\"><p>A type of loan that allows senior homeowners to borrow against the equity in their homes. Also like a traditional mortgage, when you take out a reverse mortgage loan, the title to your home remains in your name. However, unlike a traditional mortgage, with a reverse mortgage loan, borrowers don&#8217;t make monthly mortgage payments. The borrower is still responsible for paying their property taxes and insurance and maintaining the home.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1372\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-1372\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"35\" viewBox=\"0 0 34 35\" fill=\"none\"><line x1=\"17\" y1=\"0.0410157\" x2=\"17\" y2=\"34.041\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><line x1=\"34\" y1=\"17.541\" x2=\"-1.74846e-07\" y2=\"17.541\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"49\" height=\"49\" viewBox=\"0 0 49 49\" fill=\"none\"><line x1=\"36.0627\" y1=\"12.0207\" x2=\"12.021\" y2=\"36.0623\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><line x1=\"35.7108\" y1=\"36.4162\" x2=\"11.6692\" y2=\"12.3745\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What is a Home Equity Conversion Mortgage (HECM) loan?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1372\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-1372\"><p>A Home Equity Conversion Mortgage (HECM) is a federally insured reverse mortgage program, regulated by the U.S. Department of Housing and Urban Development (HUD). Borrowers are responsible for paying the premiums of that insurance.\u00a0 A HECM is the most common type of reverse mortgage and offers several safeguards for eligible homeowners.\u00a0<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1373\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-1373\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"35\" viewBox=\"0 0 34 35\" fill=\"none\"><line x1=\"17\" y1=\"0.0410157\" x2=\"17\" y2=\"34.041\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><line x1=\"34\" y1=\"17.541\" x2=\"-1.74846e-07\" y2=\"17.541\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"49\" height=\"49\" viewBox=\"0 0 49 49\" fill=\"none\"><line x1=\"36.0627\" y1=\"12.0207\" x2=\"12.021\" y2=\"36.0623\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><line x1=\"35.7108\" y1=\"36.4162\" x2=\"11.6692\" y2=\"12.3745\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\">What are the basic requirements for a HECM reverse mortgage?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1373\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-1373\"><p>To qualify for a HECM reverse mortgage, you must be at least 62 years old, own your home outright or have a low mortgage balance, and live in the home as your primary residence. Your eligibility will also be determined by a financial assessment to ensure you can meet ongoing obligations like property taxes and insurance.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-accordion-item\">\n\t\t\t\t\t<h4 id=\"elementor-tab-title-1374\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-1374\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon elementor-accordion-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-closed\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"34\" height=\"35\" viewBox=\"0 0 34 35\" fill=\"none\"><line x1=\"17\" y1=\"0.0410157\" x2=\"17\" y2=\"34.041\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><line x1=\"34\" y1=\"17.541\" x2=\"-1.74846e-07\" y2=\"17.541\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-accordion-icon-opened\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"49\" height=\"49\" viewBox=\"0 0 49 49\" fill=\"none\"><line x1=\"36.0627\" y1=\"12.0207\" x2=\"12.021\" y2=\"36.0623\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><line x1=\"35.7108\" y1=\"36.4162\" x2=\"11.6692\" y2=\"12.3745\" stroke=\"#E17881\" stroke-width=\"4\"><\/line><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-accordion-title\" tabindex=\"0\"> What percentage of equity is required for a reverse mortgage?<\/a>\n\t\t\t\t\t<\/h4>\n\t\t\t\t\t<div id=\"elementor-tab-content-1374\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-1374\"><p>The amount of equity required for a reverse mortgage varies based on factors such as your age, the home&#8217;s appraised value, and current interest rates. Generally, the older you are and the higher your home&#8217;s value, the more equity you can access.<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6ae4469 elementor-align-center elementor-widget elementor-widget-button\" data-id=\"6ae4469\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/local.americansenior.com\/thad-stanley\/reverse-mortgage-faqs\/\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">See all FAQs<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>Reverse Mortgage Guidance In Lincoln, CA And Placer County American Senior Lending Learn about reverse mortgages Get in touch with me Reverse Mortgage Help For Lincoln And Placer County Homeowners If You Live In Lincoln, California Or Nearby Placer County Communities And Want To Learn Whether A Reverse Mortgage Could Improve Cash Flow Or Support &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/local.americansenior.com\/thad-stanley\/\"> <span class=\"screen-reader-text\">Homepage<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":4,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"elementor_header_footer","meta":{"site-sidebar-layout":"no-sidebar","site-content-layout":"page-builder","ast-site-content-layout":"full-width-container","site-content-style":"unboxed","site-sidebar-style":"unboxed","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"disabled","ast-breadcrumbs-content":"","ast-featured-img":"disabled","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","footnotes":""},"class_list":["post-76","page","type-page","status-publish","hentry"],"acf":[],"_links":{"self":[{"href":"https:\/\/local.americansenior.com\/thad-stanley\/wp-json\/wp\/v2\/pages\/76","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/local.americansenior.com\/thad-stanley\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/local.americansenior.com\/thad-stanley\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/local.americansenior.com\/thad-stanley\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/local.americansenior.com\/thad-stanley\/wp-json\/wp\/v2\/comments?post=76"}],"version-history":[{"count":0,"href":"https:\/\/local.americansenior.com\/thad-stanley\/wp-json\/wp\/v2\/pages\/76\/revisions"}],"wp:attachment":[{"href":"https:\/\/local.americansenior.com\/thad-stanley\/wp-json\/wp\/v2\/media?parent=76"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}