Jennifer Fernández is a seasoned expert in the real estate and mortgage industry, with deep knowledge in home purchases, refinancing, and—most notably—reverse mortgages. Her extensive experience positions her as a trusted resource for clients seeking clear, professional guidance in an often confusing market.
Jennifer’s primary specialties is reverse mortgages, designed for homeowners over 55 who have significant equity in their property (typically 60–70% paid off) and a credit score above 600+. These government-regulated loans allow clients to remain in their homes without making monthly mortgage payments. The loan can pay off existing debt and may also provide cash or a line of credit. While interest accrues onto the principal, the property always stays in the homeowner’s name. When the time comes, heirs have the option to sell the home or refinance it to satisfy the loan balance.
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). It is not intended to be a substitute for legal, tax or financial advice. Consult with a qualified attorney, accountant or financial advisor for additional legal or tax advice.
*There are some circumstances that will cause the loan to mature and the balance to become due and payable. The borrower(s) must continue to pay for property taxes and insurance and maintain the property to meet HUD standards or risk default. Credit is subject to age, minimum income guidelines, credit history, and property qualifications. Program rates, fees, terms and conditions are not available in all states and subject to change.