Mortgages Made Simple

Informing, empowering, and providing solutions for homebuyers and homeowners. Explore expert mortgage insights, financial strategies, and personalized guidance to overcome obstacles on your homeownership journey.

The Reverse Advantage:  Buy Smart and Preserve Retirement Income

The Reverse Advantage: Buy Smart and Preserve Retirement Income

The Reverse Advantage:  Buy Smart and Preserve Retirement IncomeAmber Jones
Published on: 26/05/2025

Did you know homeowners age 62+ can buy a new home—without taking on monthly mortgage payments? The HECM for Purchase program helps older buyers right-size, relocate, or retire more comfortably by using a reverse mortgage at the time of purchase. Learn how this underused strategy can help you preserve cash flow and gain long-term peace of mind.

Reverse Mortgage
Unlocking Hidden Wealth: How a Reverse Mortgage Line of Credit Can Grow Over Time

Unlocking Hidden Wealth: How a Reverse Mortgage Line of Credit Can Grow Over Time

Unlocking Hidden Wealth: How a Reverse Mortgage Line of Credit Can Grow Over TimeAmber Jones
Published on: 19/05/2025

What if your home equity could grow over time—without you doing a thing? Discover how the reverse mortgage line of credit offers guaranteed growth, flexible access to tax-free funds, and long-term financial confidence for homeowners age 62 and up. Whether you’re planning ahead or helping family, this could be one of the smartest tools in your retirement strategy.

Reverse Mortgage
Inheriting a Home with a Reverse Mortgage:  What You Need  to Know

Inheriting a Home with a Reverse Mortgage: What You Need to Know

Inheriting a Home with a Reverse Mortgage:  What You Need  to KnowAmber Jones
Published on: 12/05/2025

Inheriting a home with a reverse mortgage can feel confusing, especially during an already emotional time. This post breaks down three key facts every heir should know, clears up common myths, and outlines your options—whether you plan to keep the home, sell it, or walk away.

Reverse Mortgage
Understand the Credit Score Algorithm – Part 5: Mix of Credit

Understand the Credit Score Algorithm – Part 5: Mix of Credit

Understand the Credit Score Algorithm – Part 5: Mix of CreditAmber Jones
Published on: 28/04/2025

We’ve made it to the final component in your credit score—and while it makes up a smaller portion of the overall algorithm, it’s still an essential piece of the puzzle. This last factor, called mix of credit, is all about showing that you can handle different types of financial responsibilities.

Credit Score

Important Disclaimer Information

Amber Renee Jones is an independent mortgage broker, NMLS #322407 | CA DRE 01469517 | TX #322407, powered by C2 Financial Corporation, NMLS #135622 | CA DRE #01821025 | TX #135622, located at 12230 El Camino Real, Suite 100, San Diego, CA 92130. The services referred to herein are not available to persons outside of the states of California or Texas.

This is not a commitment to lend. Equal Housing Opportunity.