John Harding

Traditional and Reverse Mortgage Expert
Driven to deliver an exceptional experience

John Harding, Senior Loan Consultant Specializing in Oregon and Washington

Phone: (425) 348-1829

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

Licensed in Oregon and Washington

I’m John Harding and, for the past 27 years, I have been specializing in “Low Stress” Home loans. For the past 8 years, I have focused almost exclusively on providing 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 to improve cash-flow by eliminating your existing mortgage payment (you are responsible to remain current on your property taxes, homeowner’s insurance and HOA dues) and/or providing a “safety net” to make sure you have access to a portion of your home equity if you need it. A Reverse Mortgage can also enable you to make repairs on your home or pay for medical bills, long-term care insurance premiums, in-home care, etc.

Financial planners are also now realizing that a Reverse Mortgage is a valuable financial tool when it comes to strategic retirement planning. It can be used to delay taking Social Security or utilized as an integral part of your overall financial plan in conjunction with your investment portfolio. My goal is to make sure you fully understand what your options are, whether you decide to utilize a Reverse mortgage 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, 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 42 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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