Ken Keranen's (kennyarnold) Blog

Mortgage and Lending - Reverse Mortgage Division of HSL
In order to be eligible for the FHA Reverse Mortgage for Home Purchase Program, a client must be at least 62 years old.  If there is more than one person on title, the calculations are based on the age of the youngest.  The earliest that a potential client can apply for the program is, from a pra...
This "Senior Friendly Home" is now available in the wonderful San Diego State University area and close to Cox Arena. This 3 bedroom, 2 bath single level home is perfect for an active senior couple. If you are 62 years of age or older, you can purchase this home without having to pay all cash an...
On September 3rd, both my hotmail and g-mail accounts were slammed shut simultaneously.....period!  I've done some stupid things in my lifetime but this one takes a new kind of cake!  I must have set up my hotmail account around a decade ago and used a password that I could remember.  I've never ...
This is what my friends, business associates, and relatives with whom I'm in contact through g-mail and hotmail accounts received as a message from me.  This is the exact wording, spelling and grammer so no one took it seriously!  My son called me and said that he was down at the Western Union of...
I got a call yesterday from a senior, age 80, who has decided to sell his home in the desert and move back to the coast.  Because I'm a Reverse Mortgage for Home Purchase Specialist, a local Prudential CA agent had referred him to me. I am going to be able to work with the agent and help this cli...
This inexpensive "Senior Friendly Home" is now available in the wonderful North San Diego County 55+ Peacock Hills It is a simply a great community for seniors. If you are 62 years of age or older, you can purchase this home without having to pay all cash and still avoid making any payments. I've...
There is a new tool for your computer or cell phone that calculates the approximate down payment a senior (62 or older) would make in order to purchase a home at any value.  There are a number of Reverse Mortgage Calculators on the web, but few, if any, actually calculate the estimated cash that ...
HUD's Mortgagee Letter 2009-19 covering the Condominium Approval Process clearly states in Section XIII. that all projects must be recertified after 2 years.  The cut off date for those now on the approved list can be found at  The date when the vast ...
I've been asked to cite sites where the best information can be found regarding Reverse Mortgages especially the Reverse Mortgage for Home Purchase Program.  Here's a pretty good place to start: This site offers a decent explanation of the prog...
Working with seniors who are interested in purchasing a retirement home using a Reverse Mortage is a challenge! They begin by thinking that this sounds "too good to be true" and need to be convinced that it does work and that it is guaranteed by the Government. As a Reverse Mortgage specialist, I...

Ken Keranen

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