What is a Reverse Mortgage Specialist (RMS) & Why You Should Work With One

Offering a retiree a reverse mortgage is not the same as presenting Reverse options that best help accomplish each client's unique goals.  The fact is, anyone can say they offer a mortgage, forward or reverse, but only a handful of people are Reverse Mortgage Specialists.  

A Reverse Mortgage Specialist (RMS) is someone with a minimum of three years experience in the reverse mortgage business or they must have personally closed 50 or more loans; earned 12 hours of continuing education courses, completed NRMLA’s Ethics Course;  passed a rigorous exam and a background check.

Why Work With a Reverse Mortgage Specialist

Imagine purchasing a new car from someone who just started a career in auto sales.  Sure, they might know what they are doing, but how confident would you feel about being presented all the options that were available to you?  Or how about going to a restaurant and eating exotic food prepared by a chef that had never cooked anything like that before?  How comfortable would you feel about the quality of the meal you were presented?  

When you buy a new car, you want to work with the best and most experienced person.  You'll undoubtedly end up asking for a Supervisor.  The same thing holds true with food.  A seasoned chef will prepare the best meal for you.  You want to work with the best.  You want to get information from the most knowledgable person.  You prefer experience.  YOU SHOULD. 

Tim Linger, Reverse Mortgage Specialist

With over 20 years of experience, Tim Linger has obtained numerous certifications and memberships.  It's not just about being able to offer a reverse mortgage, it's about understanding the retirement needs of Senior citizens and having the experience to be able to advise on the subject.  That it is what defines a Reverse Mortgage Specialist:
  • Certified Senior Advisor
  • National Reverse Mortgage Lenders Association (NRMLA) Member
  • Certified HECM Specialist 
  • Existing manufactured homes built before June 15, 1976; and
  • 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.
  • 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.