WHAT OUR REVERSE MORTGAGE CUSTOMERS HAVE TO SAY
Golden Heritage Financial is a BBB A+ Rated lender that consistently provides accurate information and superior service. We absolutely enjoy teaching people about the reverse mortgage loan and assisting them if they find it a good fit for their needs. Nothing says we care better than our customers feedback about the services we have provided to them. Please take a moment to read what they have to say.
Celeste Deveney - I’m so glad this option is there for me
To Whom This May Concern,
If you’re interested in buying a home using a reverse mortgage loan to purchase, let me tell you about my experience but first let me say this: it was one of the best decisions I’ve ever made.
I worked with Paul Tollner of Golden Heritage Financial to get this loan during a hot market in June/July of 2021. House prices were going up and up every month. I knew it wouldn’t be long before I would be priced out of the market and would end up either buying something I didn’t really want, moving out of the region to someplace less expensive, or renting a small apartment until the market adjusted again. The latter option didn’t look likely. Fortunately, I had a settlement from my divorce, which made it possible to go with a reverse mortgage to purchase.
Paul came recommended to me by one of those friends who I always trust with referrals. She’s never wrong when she recommends someone for advice, or work or whatever. I met with Paul outside for coffee on morning (the pandemic still had things mostly closed up) in February or March, I think. He explained to me about a reverse mortgage loan to purchase.
I have to admit, it sounded too good to be true. Paul said that it was a mortgage that let someone who had enough money to put up half of the purchase price, and the mortgage company would put up the other half. The mortgage company would then pay my mortgage monthly. While it meant that I (or my estate) would end up owing on the mortgage in the end, it also meant that I could have a home of my own (while I was still young enough to enjoy it) and not have to worry about paying a monthly mortgage when I really couldn’t afford to do so.
That was my biggest fear – that I would get a mortgage and the economy would tank or I would be in some way incapacitated and unable to work. As it was, I only had a part time job and money was tight. But I had my nest egg divorce settlement, and on the strength of that and my part-time job income, Paul was able to get me a reverse mortgage loan to purchase.
The process went as smoothly as any other home purchase I’ve experienced (I’ve bought 2 homes previously) though some of the background checks were more thorough. Paul and his team helped me through every step. I’ll admit, it was kind of a scary process, especially for a divorcee who had to do it all by herself. But we worked ahead at getting pre-approved, figuring that I would start looking in earnest in early summer. I got pre-approved for a certain amount, so when my bid on my dream home was accepted, I was all set to go. Oh, there were still more approvals and hoops to jump through in order to get the loan, but there were no major snags.
Now I get to live in my own home. It’s a manufactured home in a 55+ community. Very safe. The HOA fees are reasonable and my neighbors are great. Best of all, I can actually afford to live here and don’t ever have to worry that I’ll be kicked out for missing a mortgage payment. As I said before, it was one of the best decisions I ever made.
I hope this helps whoever is reading it to feel a bit more secure in making what felt for me, like a scary decision. I never would have owned my own home without it, and I’m so glad this option is there for me.
Sincerely,
Celeste Deveney
Pam Clouse - Genuinely Compassionate
I want to share how grateful I am that Paul Tollner entered my life and helped me with a HECM reverse mortgage. My life was flipped upside down when my husband of 40 years passed away suddenly in 2016. One of my many worries was that I would eventually have to sell my home and move from this area. I had been curious about reverse mortgages and did a little research but was really hesitant (and scared) about making any steps in that direction.
I’ll never forget the first phone call I received from Paul. That conversation gave me hope that this could be the direction I could go, so I made an appointment to meet with him to learn more about it. I am so glad I did! It was a big step to make a decision like this on my own but Paul made it much easier than I expected it to be and I trusted him. He is so knowledgeable, was always available to answer questions and address concerns I would have, and never seemed bothered by me contacting him.
Paul was genuinely compassionate with my situation and by helping me through this process has given me peace of mind knowing I can afford to stay in the home I love. I learned so much through this whole experience and I also gained a good friend.
For anyone considering a reverse mortgage, I HIGHLY recommend Paul Tollner to help you!
Pam Clouse
Manda Jahan - Superbly capable!
Dear Mr. Samy Khoury,
Few months ago, you responded to my inquiry about your reverse mortgage program. Mr. Marcus Quintana called and visited me in my house as you described in your letter. I just wanted to thank you for referring him to me. He was superbly capable in the process of my case, he overcame every mishap with patience and solved problems with capability, knowledge, and persuasion. Today my work with him is finished and I wanted to thank you for introducing him to me.
I wish both of you success in the good work you’re doing.
Manda Jahan
Darlene Cohen - Service was great!
Service was great!
During a very stressful time in my life Marcus was wonderful and made all processing easy, He made sure I was provided the best loan available.
Darlene Cohen
Randy & Janet Simpson - We've gained a friend
“We have had the pleasure of working with Paul Tollner on our reverse mortgage.
Actually, it wasn’t really work at all. Paul was a calming force in the whole process. We have gained a friend who is concerned about our future and welfare. We have been in the sales industry for over 30 years and can assure you that Paul is a complete professional. At no time did we feel that Paul was selling us the program. On the contrary, he took the time to educate us about the procedure in a calm and relaxing manner.
He removed any anxiety we may have had by keeping us well informed with each stage of the process. We have, and will continue to recommend Paul to our family and friends. You should be thankful for having such a professional as Paul Tollner!”
Randy & Janet Simpson
Bruce Troth - My Experience With Paul Tollner
February 6, 2022
To Everyone Considering a Reverse Mortgage,
I’d like to share my experience with Mr. Paul Tollner of HighTechLeanding.
Paul entered my family’s life during our loss of my wife, Penny, after 53 years of marriage. Her passing was unexpected and devastating to us. Our family was in turmoil as you can imagine. Do we sell our home, relocate, the mortgage was a heavy burden without my wife’s income now what?
Paul’s entry was due to a recommendation of a dear friend and coworker, and satisfied client of Paul’s. This dear friend suggested I talk with Paul about reverse mortgages because he had done hers, and I did.
Paul was very compassionate and caring. A pleasure to deal with and his help was immeasurable to our family and helping us with options other than selling and moving. He was diligent, timely, and on top of our application and processing. The application was approved and funded on Christmas Eve. This took so much pressure off our family that even with our great loss Christmas was made a little more enjoyable due in no small part to Paul’s hard work on our behalf and his caring and compassionate way he went about helping us. I can’t say enough about Paul’s excellence in his field along with his caring attitude.
I believe my friend and coworker and Paul are angles sent to me to help our family in a very trying time.
Without reservation I highly recommend Paul Tollner in his field of reverse mortgages.
Bruce Troth
Very Satisfied Client
Vicki Bulpin - Thank you for your help!
“Samy, thank you and Sal for all the help in getting my loan. You can use me any time for references!”
Vicki Bulpin
Jim & Sue Rose - Continues to take care of us
“Paul Tollner was outstanding! Even after we received our loan, he continues to take care of us. He’s great!”
Jim & Sue Rose
Gordon & Rebecca Sweatt - We couldn’t be happier!
“We not only got our reverse mortgage, but I feel we also made friends. From the moment Samy Khoury and Sal came out to meet us we were made to feel special. Sal called often to let us know what was happening, and even called during his trip to visit his mother who was so sick.
We couldn’t be happier. Everyone we met was very nice and helpful. I would do it all over again. They put up with us and we’re very satisfied. God bless all of you.”
Gordon & Rebecca Sweatt
Mario & Marianne Valenti - You did a great job!
“You did a great job!”
Mario & Marianne Valenti
Anonymous - most stress-free transaction of my life!
“Without question, this was the smoothest and most stress-free major financial transaction of my life!”
Anonymous
Important Disclosure
(1) the borrower remains responsible for property taxes, hazard insurance and home maintenance, and failure to pay these amounts may result in the loss of the home; and
(2) charges will be assessed with the loan, including an origination fee, closing costs, mortgage insurance premiums and servicing fees;
(3) the loan balance grows over time and interest is charged on the outstanding balance;
(4) at the conclusion of a reverse mortgage, the borrower must repay the loan and may have to sell the home or repay the loan from other proceeds;
(5) interest on a reverse mortgage is not tax-deductible until the borrower makes partial or full re-payment.
Privacy Policy
Introduction
Golden Heritage Financial (“Company” or “We”) respects your privacy. This Privacy Policy describes the types of personal information we may collect from you or that you may provide when you visit the website https://wa-mortgage-reverse-calculator.com, our related sub-domains https://*.wa-mortgage-reverse-calculator.com, mobile applications, and other data collection points that reference this Privacy Policy (collectively, the “Sites”). Other privacy principles, policies and notices could apply depending on how you interact with us, the financial products or services you may ultimately obtain from us, or the jurisdiction in which we are doing business with you.
Please read this Privacy Policy carefully to understand our policies and practices regarding your personal information and how we will treat it. If you do not agree with our policies and practices, your choice is to not use our Sites. This policy may change from time to time, so please check the policy periodically for updates.
Children Under the Age of 13
Our website is designed for a general audience and is not directed to children under 13 years of age. We do not knowingly collect or solicit personal information from children under 13. If you are under 13, do not use or provide any personal information on this website or on or through any of its features, do not use any of the interactive or public comment features of this website or provide any personal information about yourself to us. If we become aware that we have collected or received personal information from a child under 13, we will promptly delete that information from our records. If you believe we might have any information from or about a child under 13, please contact us at privacy@wa-mortgage-reverse-calculator.com.
Personal Information We Collect About You and How We Collect It
We may obtain the following types of personal information when you choose to provide it through our Sites:
Contact information, such as your name, company name, mailing address, email address, and phone number;
Demographic information, such as your age, date of birth, mortgage balance, and home value;
Log-in credentials, such as your username and password;
Geolocation information and information about your usage of our mobile app;
Personal information gathered on behalf of our customers relating to their business processes, employees, vendors, and applicants; and
Any other personal information in content you provide on our Site.
Cookies, Scripts and Related Technologies
When you visit our Site, we may collect certain information by automated means, such as cookies and web beacons. A “cookie” is a text file that websites send to a visitor’s computer or other Internet-connected device to uniquely identify the visitor’s browser or to store information or settings in the browser. A “web beacon”, also known as an Internet tag, pixel tag or clear GIF, is a tiny graphic image that may be used on our Sites. The information we obtain in this manner includes IP address, browser characteristics, device characteristics, operating system, language preferences, referring URLs, information on actions taken on our site, and dates and times of website visits. We also may obtain “clickstream data,” which is a log of content on which a visitor clicks while browsing a website. As the visitor clicks through the Site, a record of the action may be collected and stored. Your browser may tell you how to be notified when you receive certain types of cookies or how to restrict or disable certain types of cookies. Please note, however, that without cookies you may not be able to use all of the features of our Sites.
Collection of Data by Advertisers
We may also use third parties to serve ads on our Sites or to manage our advertising on other sites. Certain third-party partners may automatically collect information about your visits to this and other websites, such as your IP address, your ISP, and the browser you use to visit our Sites. They do this by using cookies, pixel tags or other technologies. Information collected may be used, among other things, to deliver advertising targeted to your interests and to better understand the usage and visitation of our Sites and the other sites tracked by these third parties. This policy does not apply to, and we are not responsible for, cookies or pixel tags in third-party ads, and we encourage you to check the privacy policies of advertisers and/or ad services to learn about their use of cookies and other technologies.
Third-Party Analytics Services
We may use third-party web analytics services on our Sites, such as those of Google Analytics. The analytics providers that administer these services use technologies such as cookies, web beacons and web server logs to help us analyze your use of the Sites. To learn more about Google Analytics and how to opt out, please visit https://policies.google.com/technologies/partner-sites.
Our Site is not currently designed to respond to “do not track” signals received from browsers.
How We Use Your Personal Information
We may use the personal information that we collect for various purposes, including the following:
To present our Sites and their contents to you.
To provide and enhance our products and services.
To provide you with information, products or services that you request from us.
To fulfill any other purpose for which you provide the information.
To create and manage your account;
To assess your eligibility for, administer and service a loan;
To communicate with you about, and administer your participation in, surveys, events, programs, contests, promotions and other offers;
To respond to and communicate with you about your requests, questions and comments;
To manage career opportunities; • To comply with and enforce applicable legal requirements, relevant industry standards and our policies.
To carry out our obligations, comply with relevant industry standards, and enforce our policies and our rights arising from any contracts entered into between you and us, including for billing and collection.
To notify you about changes to our Sites or any products or services we offer or provide though it.
To operate, evaluate and improve our business (including developing new products and services; managing our communications; determining the effectiveness of our sales, marketing and advertising; analyzing and enhancing our products, services and Sites; and performing accounting, auditing, billing, reconciliation and collection activities).
To perform data analyses and other processing (including market and consumer research, trend analysis, financial analysis, anonymization, encryption and tokenization of personal information).
To protect against, identify and prevent fraud and other criminal activity, claims and other liabilities.
In other ways we may describe when you provide the information.
For any other purpose with your consent.
We also may use your personal information to contact you about our own and third-parties’ goods and services that may be of interest to you. If you do not want us to use your personal information to receive marketing emails, please follow the instructions in the email to opt out or contact us at privacy@wa-mortgage-reverse-calculator.com
Disclosure of Your Personal Information
We may disclose aggregated information about our users, and information that does not identify any individual, without restriction. In addition, we may disclose personal information that we obtain or you provide as described in this Privacy Policy:
To our subsidiaries and affiliates.
To contractors, service providers and other third parties we use to support our business.
To a buyer or other successor in the event of a potential or actual merger, divestiture, restructuring, reorganization, dissolution or other sale or transfer of some or all of the Company’s assets, whether as a going concern or as part of bankruptcy, liquidation or similar proceeding, in which personal information held by the Company is among the assets transferred.
To fulfill the purpose for which you provided the information.
For any other purpose disclosed by us when you provide the information.
With your consent. We also may disclose your personal information:
To comply with a court order, law or legal process, including to respond to any government or regulatory request or subpoena.
For the purpose of or in connection with legal proceedings, or otherwise for the purpose of establishing, exercising or defending our legal rights.
To enforce or apply our Terms of Use as posted on www.wa-mortgage-reverse-calculator.com and other agreements, including for billing and collection purposes.
If we believe disclosure is necessary or appropriate to protect the rights, property, or safety of the Company, our customers or others, or in connection with an investigation of suspected or actual fraudulent or illegal activity.
Choices About How We Use and Disclose Your Personal Information
We strive to provide you with choices regarding the personal information you provide to us. We have created mechanisms to provide you with the following control over your information:
Tracking Technologies and Advertising. You can set your browser to refuse all or some browser cookies, or to alert you when cookies are being set. If you disable or block cookies, please note that some parts of the Sites may not be accessible or function properly.
Promotional Offers from the Company. If you do not wish to have your e-mail address used by the Company to promote our own or third parties’ products or services, you can opt-out by sending us an e-mail stating your request to privacy@wa-mortgage-reverse-calculator.com. If we have sent you a promotional email, you may send us a return e-mail asking to be omitted from future email distributions or click the “unsubscribe” feature as available.
Interest-Based Advertising. When you use our Sites, both we and certain third parties (such as advertising networks, digital advertising partners, and social media platforms) collect information about your online activities, over time and across third-party websites. Such information may be used to provide you with advertising about products and services tailored to your interests. We also may obtain information for this purpose from third-party websites on which our ads are served. You may see certain ads on other websites because we engage third-party ad buying networks. Through such ad buying networks, we can target our messaging to users through demographic, interest-based, and contextual means. The information our ad networks may collect on our behalf includes data about your visits to websites that serve our advertisements, such as the pages or advertisements you view and the actions you take on the websites. This data collection takes place both on our websites and on third-party websites that participate in these ad networks. This process helps us track the effectiveness of our marketing efforts. To learn how to opt out of this ad network interest-based advertising, visit Your AdChoices.
Data Security
We maintain administrative, technical and physical measures designed to protect your personal information against accidental, unlawful or unauthorized destruction, loss, alteration, access, disclosure or use.
Links To Other Websites
Our Sites may contain links to other websites for your convenience and information. These websites may be operated by companies not affiliated with the Company. Linked websites typically have their own privacy policies or notices, which we strongly suggest you review if you visit any linked websites.
Changes & Updates
This Internet Privacy Statement will be updated periodically and without prior notice to you to reflect changes in our personal information practices. If we make changes to our Privacy Policy, we will revise the “Last Updated” date at the top of this notice; please review it periodically.
CCPA PRIVACY NOTICE
We do not provide lending services to California residents.
How to Contact Us
To ask questions or comment about this Privacy Policy and our privacy practices, contact us at privacy@wa-mortgage-reverse-calculator.com or call (425) 455-8466
This material is not provided by, nor was it approved by the Department of Housing & Urban Development (HUD) or by the Federal Housing Administration (FHA).