Gabe Bodner, NMLS #235374

Financial services in Boulder, CO (show on map)

5.0

★★★★★

29 reviews

Reverse mortgage lender offering HECM, jumbo reverse mortgages, and reverse mortgage refinance solutions.

Call (720) 600-4870

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About

OneTrust Home Loans, a division of CalCon Mutual Mortgage LLC (NMLS #46375), specializes in reverse mortgage solutions such as HECM loans, HECM for purchase, jumbo reverse mortgages up to $4 million, and refinance options. Serving seniors and high-value home owners in Colorado and nationwide, the company offers financial education, counseling, and personalized service to help clients enhance cash flow during retirement while retaining home ownership.

Licensed in Colorado and operating under NMLS #235374 for the 55+ division, OneTrust Home Loans ensures compliance with FHA and HUD regulations, providing non-recourse loans insured by the Federal Housing Administration.

FHA-insured HECM loans

Jumbo reverse mortgages up to $4 million

Comprehensive counseling and education services

Services

Reverse Mortgage Loans

Provides Home Equity Conversion Mortgage (HECM) loans for seniors 62 and older, allowing them to access home equity without monthly payments.

No monthly mortgage payments Tax-free loan proceeds Homeownership retained FHA-insured for borrower protection

HECM for Purchase

Allows seniors to buy a new home using HECM loan proceeds, combining purchase funds with reverse mortgage.

Finances home purchase alongside down payment No monthly mortgage payments required Homeownership retained

Jumbo Reverse Mortgage

Offers reverse mortgages for high-value homes up to $4 million, not FHA-insured.

Higher loan amounts for high-value properties Non-recourse loan structure No FHA mortgage insurance premiums

Reverse Mortgage Refinance

Refinances existing reverse mortgages to improve terms or access additional funds.

Potential reduction in loan costs Access to additional equity Maintains home ownership

Reverse Mortgage Counseling

Mandatory HUD-approved counseling to educate borrowers about reverse mortgage options and responsibilities.

One-on-one counseling session Explain loan terms, costs, and alternatives Ensure borrower understanding before proceeding

Credentials & Certifications

NMLS #235374

NMLS #46375

Reviews

Rating

★★★★★

Reviews

"Gabe, Nick, and Bill were marvelously helpful with my reverse mortgage."

Frequently Asked Questions

Is a reverse mortgage right for me? +

A reverse mortgage can help eliminate monthly mortgage payments, provide tax-free cash for expenses, and allow you to stay in your home. Consult with a counselor to assess suitability.

Will the bank take my home? +

You retain ownership and must maintain the home, pay taxes and insurance. Failure to comply could result in foreclosure.

What happens to the equity if I sell the house? +

Remaining equity after repaying the loan balance is retained by the owners or heirs.

Are there restrictions on how I can spend the money? +

Borrowers can use proceeds as they choose, such as paying off debt, home improvements, vacations, or eliminating mortgage payments.

What fees are associated with a reverse mortgage? +

Lenders must provide a Total Annual Loan Cost (TALC) disclosure, detailing all transaction costs over the loan's life.

How does a reverse mortgage affect Social Security or Medicare? +

Reverse mortgages typically do not affect Social Security or Medicare benefits, but consulting a tax advisor is recommended.