John Harding

Traditional and Reverse Mortgage Expert
Driven to deliver an exceptional experience

John Harding, Senior Loan Consultant and Branch Manager. Serving Seniors in Washington, Oregon, Idaho and Colorado.

Phone: (425) 348-1829

NMLS#118270
702 87th Ave SE
Lake Stevens, WA 98258

Licensed in Colorado, Idaho, Oregon and Washington

I’m John Harding and, for over 30 years, I have specialized in “Low Stress” Home loans. For the last 12 years, I have focused exclusively on providing FHA-insured, HECM Reverse Mortgages for my Senior clients.

As a Senior Loan Consultant and Reverse Mortgage Specialist, I serve the senior community by taking the time to explain, in detail, the pros and cons of utilizing a Reverse Mortgage. A reverse mortgage is a complicated product with a lot of moving parts and because there are so many misconceptions about how they work, my primary focus is educating my clients on how the product works so that they can fully understand their options. Then, they (and their families, if applicable), without any “sales pressure” from me, can feel comfortable making a decision, regardless of whether they decide to utilize a reverse or not.

As a public service, I also provide a “Fraud Prevention for Seniors” workshop at retirement homes, senior centers and churches around the Puget Sound. In this presentation, I explain why Seniors are targeted by scammers, how they’re targeted, why they fall victims to the plethora of scams out there, the “red flags” to look for and how they can avoid becoming a victim. I show plenty of “real world” examples so they can recognize a scam when they see one.

I was born and raised in California although I have resided in Washington State since 1988. I have been happily married for 46 years to my best friend in the world, my wife, Kerry.  We have 3 grown children, Mariah, Sierra and Luke.  If you ask me, I’d be happy to tell you about them!!  I’m looking forward to working with you.

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Reverse Mortgage

A Reverse Mortgage/Home Equity Conversion Mortgage (HECM) is the Federal Housing Administration’s (FHA) federally backed reverse mortgage program and the most popular method for seniors to withdraw some of the equity in your home. To be eligible you must be 62+, own your home, be able to pay ongoing property charges, taxes and insurance, and the home must be your primary residence.

H4P

Home Equity for Conversion Mortgage for Purchase.

An FHA HECM for purchase is when a senior, age 62 or older, can buy a new principal residence using the proceeds from a reverse mortgage loan. This program enables these homeowners to relocate or downsize to a home that better meets their physical needs.

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