Baldwin Financial, LLC - Horace Mann

Citizens Wealth Management offers tailored financial advisory services designed to navigate individuals through their financial journeys at various life's stages. Supported by a dedicated team of professionals including relationship managers, advisors, and specialists, the firm emphasizes collaborative financial planning that adapts to the evolving needs and goals of its clients and their families. Generated from the website

Renee Guidaboni Coleman has been educating consumers about home financing options since 2012. Whether you are a first-time homebuyer, or looking to upsize or downsize, Renee can help you before you ever make an offer on a property.There are many factors to consider with a home loan, with interest rates being only one of them, and Renee is devoted to finding a viable mortgage option for you. She can sit with you and look over your budget, income, and savings, helping you get a clear picture of what program is realistic. Renee will help you consider all your options, so you can make the best decision for your needs.In addition to conventional mortgage products, Renee specializes in reverse mortgages, which enable homeowners 62 and older to maximize the equity in their home and enjoy living in there for as long as possible.Ensuring that a reverse mortgage is a viable option for you is Renees priority. In your initial consultation, youll learn about eligibility and property qualification requirements, the pros and cons of reverse mortgages, and options for receiving your money. From there, the decision to move forward is completely yours.A reverse mortgage is a viable financial option worth exploring in cases like:If you are a senior homeowner who is planning for or entering retirementIf you have an elderly parent or relative who is seeking additional income or a funding source for home repairsRenee also frequently consults with financial planners and estate planning attorneys who are exploring reverse mortgages as a money management tool.Curious to learn more? Let Renee help you consider all your options, so you can make the best decision for your financial needs, for your particular stage of life. NMLS: 1119902, Branch NMLS: 1597135

CrossCountry Mortgage, Inc. is a nationwide lender with a strong local presence. We offer a variety of home purchase loans and refinance options to satisfy every unique financing need