About Tim

Business and community leadership are Tim Linger's most important life tenets. When it comes to business,Tim strives for productivity with a "Get it done yesterday" approach. In terms of good will, Tim believes a glass is half full when it's shared and half empty if it's not shared. Be great at what you do and be great to everyone is a way of life for Tim Linger.

Tim Linger

Looking for a Reverse Mortgage?

Connect with Tim right now.

(321) 356-9229


  • With over 20 years dedicated experience in the reverse mortgage arena, Tim has acquired the industry knowledge and personal experience in areas such as product education, presentation, application, title, lien, and especially home value issues. 

  • This experience assists in making a smooth transaction when working in partnership with clients to close the reverse mortgage loan.

  • Tim has learned that professionalism while working closely from start-to-conclusion and from friendship-to-referral is always the best experience for all.

HECM Senior Home Financing, Inc.

HECM Senior Home Financing was founded by Tim Linger, a real estate professional who set out to help as many retirees as possible.  

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20+ Years HECM Experience

Reverse Mortgage (HECM) Specialist & Trainer. Recruited & trained 200+ Reverse Mortgage Specialists (RMSs) from 2001 through present

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Contamination Reset

Contamination RESET specializes and focuses on decontamination (sanitation) of buildings (residential, commercial, & industrial), using modern and comprehensive methods. 

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Half Cost Homes

Half Cost Homes is a multifaceted online location where consumers can learn how the HECM for purchase can help them meet their retirement goals and also a professional listing portal where REALTORS® knowledgable in HECM reverse mortgages can showcase themselves. 

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1-866-REVERSE is one of Tim Linger's flagship business sites to increase awareness of the HECM for home purchase.  The domain itself in the most precise and unique in the reverse mortgage business space and Tim Linger owns the phone number, 1-866-REVERSE. 

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Tim's Certifications

Earned the prestigious CRMP (Certified Reverse Mortgage Professional) in 2016

o Only 1 of 150 CRMPs in the nation. 

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Tim Linger's

Certifications & Organizations

Certified HECM Specialist (CHS) 2017 – present (See Organization)

National Reverse Mortgage Lenders Association (NRMLA) - member 2000 - present (Learn More)

Reverse Mortgage Specialist (RMS) 2000 – present (What is an RMS?)

Certified Senior Advisor (CSA) 2000 - present (See Organization)

See Full Resume


Community Leadership
  • Served as President of AGED, a non-profit trust company assisting seniors and disabled individuals qualify for government benefits, reduce medication costs, and preserve assets.
  • President of the HECM Association, a nonprofit trade association providing education to help and assist, seniors (age 62+) about the Home Equity Conversion Mortgage or HECM Loan. 
  • Member of NRMLA, dedicated to train lenders to be sensitive to clients’ needs, to enforce a Code of Ethics and Professional Responsibility, and to advise policy makers on reverse mortgage issues.
  • President of 2 clubs at Toastmasters, a nonprofit educational organization that teaches public speaking and leadership skills through a worldwide network of clubs.
  • Member of the CSA Society, which educates and certifies professionals who work with seniors through its Working with Older Adults education program and the Certified Senior Advisor (CSA)® credential.
Founder & President of the HECM Association

The HECM Association is a 501(c)(3) nonprofit trade association for REALTORS®, financial planners, and other professionals, dedicated to educating professionals and the public about the Home Equity Conversion Mortgage or HECM Loan. We offer continuing education classes for REALTORS® as well as marketing support for members of the association.

To provide professionals, in particular REALTORS®, timely education to help, and to assist, seniors (age 62+) in buying their retirement home for approximately 50% to 60% down payment, while, enhancing the commission of the REALTOR® using the FHA HECM for Home Purchase program.

Travel Enthusiast

Tim loves to travel when possible with his wife, Maggie. Together they've traversed tens of thousands of miles. Tim holds firm that life is meant to be enjoyed. Whether it be white water rafting, skydiving, or hiking in a national forest, Tim lives life to the fullest.

Social Media / Blogs

See Tim's professional and social media profiles, including some of his video interviews:

FacebookLinkedIn, TwitterYouTube, Instagram, HalfCostHomesHecmSeniorHecmAssociation1866ReverseHecm Association Blog, Hecm Senior Blog.

Completed Reverse Mortgages
Recruited & Trained Specialists
Years Professional Experience

Contact Tim

Have a business idea? Tim Linger is always available and interested in partnerships. Contact him to find out more or ask a question using the contact form below. There is no better time than the present.  

Tim Linger

Business Owner & Community Leader


    My experience working with Tim Linger for my reverse mortgage was very positive. Tim is very professional and personable. He was able to help me to fully understand what a reverse mortgage is and it's benefits. Tim was prompt in returning my calls & emails and answering all my questions along the way. I always felt he had my best interest at heart. I was very grateful to have worked with him and I am so lad that I got my reverse mortgage.


    C. Warren Altamonte Springs. FL