Golden Gateway - Reverse Mortgage

Golden Gateway Financial, located in Oakland, California, is a comprehensive resource for senior citizens and soon-to-be retirees to assess their financial health at retirement. Through a unique set of online tools, Golden Gateway can help individuals address "The Great American Retirement Dilemma." The tools enable users to better assess the security of their nest egg and to make intelligent choices to fully enjoy what should be the best years of their lives. Golden Gateway operates the industry's reverse mortgage service and has a team of trained counselors to help seniors better understand exactly what reverse mortgage entails and evaluate whether it is right for them. When potential retirees talk to one of Golden Gateway's reverse mortgage consultants they will receive an exceptional level of personalization. Golden Gateway is committed to helping retirees find better ways to get more retirement money from a reverse mortgage and determine if a reverse mortgage could provide more financial security for them, Golden Gateway has helped many clients change their lives for the better with a reverse mortgage settlement. Not all reverse mortgages are backed and insured by the US Federal Government but Golden Gateway will explain the entire process of reverse mortgage options to save clients time and aggravation.

A reverse mortgage is a loan borrowed against property's value and does not have to be repaid at a predetermined date. The loan continues, without any repayment, as long as the owners live in the home as a primary residence, make necessary home repairs and pay the property taxes. The reverse mortgage is a loan in reverse, where the lender or bank pays the retiree, enabling him/her to turn the value of the property into cash. The money is repaid with interest by the owner or the estate when he/she moves out of the home permanently. Golden Gateway informs that reverse mortgage solutions were first established by the Housing and Community Development Act of 1987 as part of the US Department of Housing and Urban Development.

In addition to using a reverse mortgage on a current home, owners now also have the option of using a reverse mortgage to finance the purchase of a new home. If an owner is considering moving, Golden Gateway can help homeowners to learn more about Reverse Mortgage for Purchase solutions. With a retiree reverse mortgage solution, the owner will always retain title and own the home and the bank or lender does not own the property. Golden Gateway assures retirees that the home does not have to be paid off for them to qualify for a reverse mortgage and there are no income or credit criteria to be overcome. When owners move out of the house, the maximum amount that will be owed is the current market value of the property, and if the amount advanced plus accrued interest is less than that value that is all the owner will pay. A reverse mortgage enables owners to turn the value of a home into cash to fund retirement and allows the owner to still live in the home.

Golden Gateway - Reverse Mortgage Information

Golden Gateway is a website that has been created to serve the purposes of those who are close to retirement and are looking at the various methods in which to fund their retirement or obtain the cash value of equity which is in their homes or in a life policy. A reverse mortgage is a specialized loan for homeowners aged sixty-two years and older, and the first reverse mortgage was established in the mid-1980s. The term "reverse mortgage" is so used due to the fact that the mortgage is reversed, and rather than making payments to a mortgage, the lender or the banking institution will pay the homeowner out for the value of their home. In order to clarify the process of the procedure, Golden Gateway offers detailed reverse mortgage information, which will allow interested parties to receive insight into the process. The reverse mortgage does not have a predetermined repayment date and the loan will last for as long as the home remains a primary residence, and as long as the necessary home repairs are made. The owner is required to pay all property taxes. As detailed in the reverse mortgage information featured on our site, the loan will become payable by the homeowner's estate when the owner moves out of the home permanently. Other than using the loan to obtain the necessary retirement funding, many homeowners who meet the criteria make use of the reverse mortgage option to finance additional properties.

The other facts which are contained in the reverse mortgage information include that the homeowner will remain the title deed holder of the home. The banking institutions or lenders do not become owners of the property, and the property does not have to be totally paid offer to qualify for a reverse mortgage. Included in our reverse mortgage information are the factors which will affect the reverse mortgage cash amounts. Factors which will determine the cash amount of the reverse mortgage include the age of the homeowner, as well as their current interest; however, all the factors and the qualifying criteria for the reverse mortgage can be found on our website under the tab "reverse mortgage information". The cash which is received from a reverse mortgage may be obtained in three methods: a lump sum payout, a monthly payout of the cash, or as a line of credit.

If you are considering a reverse mortgage, it is vital that you familiarize yourself with all the reverse mortgage information which is contained on our website. In addition to the information, online users will be able to gain access to the reverse mortgage Calculator which is found on the Golden Gateway website. On our website the entire process is clearly explained and many of the common myths surrounding reverse mortgages are dispelled. Feel free to browse our website at http://www.goldengateway.com and be view the Reverse Math and the Reverse Basics, which form a part of the reverse mortgage information.

Golden Gateway - Reverse Mortgage Calculator

A reverse mortgage is a specialized loan for homeowners who are aged sixty-years and older. The first reverse mortgage was established in the mid-1980 as part of the US Department of Housing and Urban Development. The reverse mortgage is exactly as the term describes it: a mortgage in reverse; instead of making payments on the mortgage, the lender or the banking institution will pay you out for the value of your home which allows retired homeowners to receive the equity of their home for retirement funding or any other purpose. In addition to serving as reverse funding, the reverse mortgage is also designed to assist homeowners who meet the criteria to finance additional properties. In order to find out additional facts about reverse mortgage and to make use of our reverse mortgage calculator, feel free to browse the Golden Gateway website at http://www.goldengateway.com.

The reverse mortgage calculator which is featured on our website is free of charge and at no time will the homeowner be obliged to act upon the information which has been provided. The purpose of the reverse mortgage calculator is to provide the homeowner with the chance to compare reverse mortgage quotes from various lenders including Financial Freedom, Wells Fargo, Bank of America, Genworth and MetLife and the entire process is simple and straightforward. The purpose of the reverse mortgage calculator is to give the user foresight into the value that they will obtain with a reverse mortgage and in addition, the online users will also be able to decide upon the best payout method. Cash from a reverse mortgage can be obtained in three methods: as a lump sum payout, as monthly payouts, or as a line of credit. Once the value of the reverse mortgage has been determined by the reverse mortgage calculator, users will then be able to decide which method of payment will best meet their specific needs.

In addition, the reverse mortgage calculator featured on the Golden Gateway website will also demonstrate to online users, by way of an easy to understand pie-graph, the equity which will remain in the property once the reverse mortgage has been used. Previously, the information which is instantly supplied by the reverse mortgage calculator was only obtained after a face to face meeting with a lender or banking agent. Now, however, online users can receive the benefit of receiving advice quickly and easily online. The other calculators which are featured on our practical financial guidance website include a downsizing calculator, retirement calculator, and a budget reality check. Allow our experience in the industry help you make the correct decision and ensure that your future financial needs are met. Browse the website to learn more about the reverse mortgage calculator and the facts surrounding the process of reverse mortgaging.

Golden Gateway - Retirement Income

The goal of Golden Gateway is to make retirement funding safer and easier. When clients are looking for additional retirement income, the search starts with Golden Gateway's calculator, or by first talking to one of the facility's consultants who will give personalized attention and assistance. Golden Gateway focuses on helping people find better ways to get more retirement income from the sale of a life insurance policy, a solution known as a life settlement. If clients are looking for improved retirement income ,Golden Gateway can help them to decide if a life settlement could provide more financial security.

Golden Gateway Financial is located in Oakland, California, and is a comprehensive resource for senior citizens and potential retirees to assess their financial health at retirement. Through a unique set of online tools and easy-to-understand information, Golden Gateway can help people address their retirement income dilemmas. The Golden Gateway tools enable users to better assess the security of their nest egg and to make informed choices to be able to comfortably enjoy what should be the best years of their lives. Golden Gateway operates life settlements with proprietary calculators and products and has a team of highly trained counselors to help seniors better understand and evaluate the right retirement income solution.

Golden Gateway advises clients that it is always better to evaluate a life settlement option for extra retirement income than to simply allow a life insurance policy to lapse. The exploration of a life settlement solution can help retirees decide whether there is an opportunity to sell a life insurance policy. A lapsed policy yields no chance to receive a return on the years of premiums paid into the policy. The average life settlement provides 300 percent of the cash surrender value of a life policy and 85 percent of all life insurance policies never pay a death benefit. Seniors looking to increase their retirement income can turn to Golden Gateway to receive the assistance of a team to negotiate to get the highest bid on a life policy, a streamlined process with minimal paperwork guided by a dedicated expert who will explain and simplify the process from start to finish.

Golden Gateway is aware that increasing numbers of people are turning to life settlement solutions for many different reasons. Life insurance policy premiums have become unaffordable and sometimes the named beneficiary dies before the insured person. At these times, seniors look for additional retirement income to help pay for healthcare costs. Most life settlement funders will only buy policies sold through brokers, as they don't have the infrastructure in place to deal directly with consumers. A settlement amount will be determined by factors such as the face amount of the policy, cash surrender value, premiums, age, type of policy and health of the holder.

Golden Gateway - Retirement Financing

Retirement is an important part of everyone's life. You want to be sure that you have the money secured that you will need to live comfortably and enjoy this important time. At www.GoldenGateway.com, you will get the help you need for retirement financing to ensure that your retirement is ready when you are. Golden Gateway Financial is a comprehensive resource for senior citizens and those who are nearing retirement and want to assess their financial health. By using a unique set of online tools and clear, unbiased communication, they help individuals address any dilemmas they may have with their retirement financing.

Golden Gateway also operates the industry's premiere reverse mortgage and life settlement services, providing online calculators for each. They have a team of trained counselors to help you understand the products that are available and determine whether they are right for you. They are available to provide answers to your questions and to calculate the possibilities that are available for your retirement financing and to compare financial options. They will also provide you with better ways to manage your retirement income, payments, and overall budgets.

The options that you may have for retirement financing include reverse mortgage. This is an option that allows you to get cash but also to keep your home. You can do this by getting a single lump sum amount up front, receiving a monthly payment that spreads your money out over time, or as a line of credit that you can use whenever you need it. In addition, you can choose cash from a reverse mortgage in any combination of the three by getting a part of the money upfront, some every month, and some in reserve for growth or to access later. Go to www.GoldenGateway.com to use the reverse mortgage calculator and determine what you may be able to get from your home.

You may also be able to increase your retirement financing with a life settlement. To do this, you will need to have a life insurance policy that has not yet lapsed. Both term and whole life policies may qualify for a life settlement. Since 85% of all life insurance policies never pay a death premium, you aren't very likely to lose anything from using your life insurance policy to increase your retirement financing. This is a way of selling a policy so that someone else will be making the payments and you will get the cash. If your policy has a cash-in value, a life settlement will pay 300% of this value, on average. Otherwise, the policy may lapse and you will never have the opportunity to get the money that you have paid into it.

If you think a reverse mortgage or a life settlement may be what you need to increase your retirement financing or if you would like to get the advice of a professional on providing you with more financial security, call Golden Gateway at 1-800-466-6394. They will help you find the best way to increase your retirement financing and plan for the best time of your life!

Golden Gateway - Life Settlement

Whether you are getting close to your retirement or are just looking over your options for financing it, Golden Gateway can help you optimize your financing opportunities. They work to make your retirement funding safer and easier so that when the time comes, all you have to do is sit back and take it easy. They are a comprehensive resource company that assesses your financial health for retirement and they provide some unique online tools to help evaluate your situation at www.GoldenGateway.com. One of the ways they can help you get more retirement money is through a life settlement which is the sale of your life insurance.

Regardless of whether your life insurance policy is term or whole life, it may be costing you more than you can afford to lose. Don't just stop paying expensive premiums and let your policy lapse. Instead, contact Golden Gateway and see what they can get you as a life settlement for your policy. They will help you find the right person to sell your policy to and get you the most from it that is possible. You will get about 300% more from a life settlement than you will from cashing it at its cash surrender value. Most people don't realize that there are other options that are financially beneficial to them when an insurance policy becomes too expensive or is no longer needed. Don't let your life insurance policy lapse into nothing.

How does Golden Gateway help you? They will provide you with a team who will negotiate with multiple funders and get you the one that is offering the highest bid on your insurance policy. This will be more than the cash surrender value but less than it would pay at death. Golden Gateway uses a streamlined process that minimizes paperwork and speeds up the process. You will talk with them and get an evaluation. If you determine you should continue with the life settlement, then you fill out an application and send it back to them. Processing will begin immediately with obtaining your medical records and sending them to the under writers for review.

Once the under writers sent in the medical underwriting report, the application packet will go out to all eligible funders who will compete to buy your policy. Once the auction ends, you will be presented with the bids, make a decision, and sign a contract. Once the policy ownership changes are made, your life settlement proceeds will fund out of escrow. The dedicated expert from Golden Gateway will explain and simplify the process for you every step of the way and work to ensure you get the best offer for your life insurance policy.

In addition to a life settlement, you may want to consider a reverse mortgage to add to your retirement funding. Golden Gateway can help you with that as well. To speak with a representative who can answer your questions or concerns, call 1-800-667-3543. Or go to www.GoldenGateway.com and use the unique calculators provided to determine what your life insurance policy may be worth towards funding your retirement.

Golden Gateway - Life Settlement Information

Did you know that 85% of all life insurance policies never pay a death benefit? Instead of holding onto a life insurance policy that you may never need, go to GoldenGateWay.com for Life Settlement Information. Whether your policy is term or whole life, you may be able to get cash for your life insurance policy for an average of 300% of the cash surrender value. At Golden Gateway, you can get life settlements with a team who will negotiate with multiple funders so that you can get the highest amount for your policy. In addition, they will provide you with a streamlined process that produces minimal paperwork and a dedicated expert who will explain the Life Settlement Information and simplify the process from start to finish.

Don't leave your life insurance policy in the drawer and let it lapse so that it is worthless. Contact Golden Gateway and get Life Settlement Information that will determine if you may have the opportunity to sell your life insurance policy. You don't want to lose the money you have paid into premiums for years. If it lapses, you will never have an opportunity to get a return on the money you have invested. You may be like many others who don't realize that there are options between giving up a life insurance policy or getting only the life insurance cash surrender value. At Golden Gateway, you can get Life Settlement Information that will help you understand just what your options are.

Many people have come to Golden Gateway for Life Settlement Information for a variety of reasons. Some find that the life insurance policy premiums they have paid on for years have become unaffordable. Sometimes the beneficiary passes away before the named insured which makes the policy unnecessary. There are also policies that reach maturity. For others, the cost of healthcare may make it a necessity to sell their life insurance policy just to cover their healthcare costs. They may also choose to get cash to help fund their retirement. Whatever the reason, you should always get experienced Life Settlement Information and evaluate your best option rather than letting your policy lapse.

Part of the Life Settlement Information you will receive from Golden Gateway will include an evaluation of the options that you have. You can choose to keep the insurance policy and continue to pay any premiums that are due so that your original beneficiaries will receive the proceeds or you can just let the policy lapse by not paying the premiums and allowing the insurance company to keep all of the proceeds. Doesn't it make sense to use a Life Settlement so that you will receive cash for the sale of your policy and stop paying premiums so that you will receive the proceeds?

If your insurance company offers you the option of turning your policy in for cash, then you will find from the Life Settlement Information that you will receive an average of 300% of that amount by using a Life Settlement option. If you have a life insurance policy that you don't want, need, or simply can't afford, go to www.GoldenGateway.com or call for Life Settlement Information at 1-800-667-3543.

Golden Gateway - Life Settlement Calculator

At www.GoldenGateway.com, you will find several valuable tools to help you learn how to access more of your own money. Golden Gateway Financial is a comprehensive resource for senior citizens, baby boomers and those who are preparing for their retirements. They help to assess their financial health for their retirement through a unique set of online tools and by using clear and unbiased communication. You can use a Life Settlement Calculator to help you address your retirement readiness by assessing the security of your nest egg. Also, they will help you make the right choices to help you enjoy what should be the greatest period of your life.

Golden Gateway will answer your questions, calculate your possibilities, and help you privately and easily make the comparisons between different financial options. To start, just go to www.GoldenGateway.com and choose the Life Settlement Calculator option. You will be asked to enter some information that won't take long like your birth date, the amount of your insurance policy, your annual premiums, and the state you live in. You will also need to enter some health factors such as smoking and health problems you are currently being treated for. You may be given instant results or advised to call and speak with a representative for further details.

The purpose of the Life Settlement Calculator is to determine what to do with your life insurance policy. Whether it is term or whole life, you may be able to get more cash from selling your policy than you will get as a death benefit. Many people don't realize that a life settlement option exists for them and they fail to collect the money that may be available to them. Keep in mind that 85% of all life insurance policies never pay a death premium. This can happen for a number of reasons including the fact that the premiums become to expensive for the owner to pay. Thinking they have no other options available to them, the owner of the insurance policy will just let it lapse by not paying the premiums and they will lose all the money that they have put into it until that point.

The Life Settlement Calculator can determine from your age and health statistics in comparison to your premium amount whether it will be beneficial for you to obtain a life settlement for your policy. Even if your policy has a cash-in value, you can get an average 300% of that amount when you choose to get a life settlement instead. With the help of Golden Gateway, you can be sure to get the maximum settlement. In addition, they will answer your questions and help you understand all of the options that are available to you.

The Life Settlement Calculator is just the first step to help you recover the money that may be going to waste lying in your dresser drawer. If you just let your policy lapse without doing anything, all of the money you have paid into it will be gone. Golden Gateway will find the best funder to get you the highest bid for your policy. To use the calculator, go to www.GoldenGateway or call a consultant at
1-800-667-3543.

Golden Gateway - Lapsed Insurance Policies

A lapsed insurance policy is worthless. There are different reasons that people let their life insurance policies lapse. Over time, they may become unable to afford the premiums and then simply stop paying them. If you think your insurance policy has no value to cash it in, then you may assume you have no other option than to just stop paying the premiums and let the policy lapse.

Another cause of lapsed insurance policies is that the beneficiary that is named passes away before the insured. The insured may think that the policy becomes worthless and just stops making the payments since there is no other person they want to have as the beneficiary. The insured may also have other needs for the money that he is using to pay the premiums. If he has been ill, healthcare costs may far exceed the amount that his health insurance will pay. He may have to stop paying his life insurance premiums in order to pay for the care he needs to keep him alive now.

Whatever the reason for lapsed insurance policies, they can be missed opportunities that could have provided the insured with extra funds when they needed them the most. There are three options that you can choose between for your insurance policy. 1. Keep your insurance policy and continue to pay the premiums so that the beneficiary will receive the proceeds at the time of your death. 2. Let the policy lapse when you stop paying the premiums and let the insurance company keep all of the proceeds or 3. Use a life settlement so that you will receive the cash for the sale of your policy and you can stop paying premiums while another buyer begins paying them.

When you sell your life insurance policy through a life settlement, you can get an average of 300% of the cash-in value. Golden Gateway will help you with the process so that you are sure to get the buyer that will give you the highest price for your policy. Whether it is a term or whole life policy, depending on certain factors, you may be able to sell it for cash. The policy face amount and the cash surrender value of your policy will help determine the amount you can get. The amount of the premiums, your age, the type of policy you have, and your health will also be important considerations. Lapsed insurance policies are worthless, but a life settlement can be worth a significant amount of cash for your needs.

Before you have lapsed insurance policies that you can't do anything with, go to GoldenGateway.com and see what Golden Gateway can do to make your life insurance policy work for you. You will have an entire team working to negotiate with multiple funders in order to get you the highest bid. They use a streamlined process that works with a minimum of paperwork while a dedicated expert explains and simplifies the process from start to finish. Don't wait until it's too late and all you have are lapsed insurance policies that have no value. Give Golden Gateway a chance to get a good deal for you.

Golden Gateway - Sell Life Insurance Policy

The Golden Gateway is designed specifically to meet funding needs of those approaching retirement and to allow them to gain access to the equity which is saved in their homes or in their insurance policies. If you have a whole life or term insurance policy, you may be able to sell your life insurance policy and obtain the cash needed to fund your retirement, or use the cash for any other purpose. A startling fact is that 85 percent of life insurance policies do not pay a death benefit, so if you are holding onto your life policy with the hope that your loved ones will be taken care of after your death, this may not be the case. Many people are unaware of how life insurance policies work and many are also unaware of the option to sell their life insurance policy. Using the Golden Gateway website, life insurance policy holders will be able to calculate the exact value of their polices and exactly how much cash they can expect if they were to sell their life insurance policy. If you are eager to find out more about the benefits which are attached to selling a life insurance policy, Golden Gateway will negotiate with the policy funders to make certain that you receive the highest cash value when you decide to sell a life insurance policy. From the get-go, our experienced and trained staff will discuss the entire process and make certain that the pros and cons are understood.

Once the life settlement has been explored, it will help policy holders to determine if there is a chance to sell the life insurance policy. It must be remembered that if a life insurance policy lapses, policy holders will not receive a return on the premiums that have been paid into the policy and usually the best way to recover premiums and to fund retirement is to sell a life insurance policy. Via our Golden Gateway website, our life settlement calculator will provide an idea of how much money would be received if policy holders were to sell their life insurance policy. The quotation will be based on factors such as age, face amount, surrender value and annual premiums of the policy and will also take into account issues such as smoking, heart diseases, kidney problems, high blood pressure and cancer. Once all factors have been considered, an accurate quotation will be presented of the value the would be received if the policy was sold.

People choose to sell their life insurance policy for many different reasons, such as costly premiums, or if the beneficiary of the life insurance policy has passed away before the insured, or they may choose to sell a life insurance policy to cover healthcare costs and to fund retirement. When the life insurance policy is sold, the policy holder will receive a cash payout and they will also stop paying premiums. If, however, the policy lapses, the insurance company will have claim to the entire proceeds and the insured will receive nothing. In order to view the advantages of selling a life insurance policy and to find out how to sell a life insurance policy, feel free to view the Golden Gateway website at http://www.goldengateway.com.