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live it up fall 102816

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SANTA CRUZ SENTINEL FRIDAY, OCTOBER 28, 2016 LIVE IT UP! 9 HighTechLending, Inc., Licensed by the Department of Business Oversight under the California Residential Mortgage Lending Act. NMLS #7147. Licensed in AZ# 0912577, CA# 4130937, CO #7147, FL #7147, HI #7147, MD #21762, NJ #7147, OR #ML4386, PA #49892, TX #7147,UT #8874117, WA #7147. 2030 Main Street #350, Irvine, CA 92614. NMLS Consumer Access: www.nmlsconsumeraccess.org. Marina Watts Reverse Mortgage Consultant NMLS #1458297 Santa Cruz & Greater Bay Area 831-535-9760 mwatts@hightechlending.com www.marinawatts.com Enjoy a MortgagE-FrEE LiFE! With a rEvErsE MortgagE • No mortgage payments FOR LIFE! (Must Maintain Taxes and Insurance) • Retain Title on Your Home • Tax Free Income • Spouses Protected • Government Insured Program Call for a free consultation at (408) 234-8486 or email me at ModenaEstateSales@gmail.com www.ModenaEstateSales.com Your Local multi-service estate sale company for all stages of life. MODENA ESTATE SALES Member of American Society of Estate Liquidators Serving the Monterey Bay, San Benito, Bay area countieS and Beyond. L iving in Santa Cruz is truly paradise. It's easy to understand why so many homeowners here want to remain in their homes as long as possible. As a homeowner who survived buying a house right before the crash, I know first-hand what it's like to worry about making mortgage pay- ments. at's why I was thrilled to become a reverse mortgage consul- tant and help older adults obtain the full benefits of a reverse mortgage. Every homeowner is different. I meet in person to discuss your individual situation and determine if a reverse mortgage is a good fit. ere are many outdated myths about re- verse mortgages, that's why I focus on educating people. A reverse mortgage can help homeowners in a number of ways to meet financial goals, includ- ing paying off existing mortgage(s), getting cash or a monthly payment amount for life, a line of credit, and even purchasing a new home. My experience working one-on- one with homeowners allows me to help them live their dreams and stay in their homes for life, worry free…. and that's rewarding! Call or email me to find out if you qualify for a reverse mortgage and let's see if it is a good fit for you. O wner, Lisa Modena, J.D., has a fine eye and reputation for staging fantas- tic well organized sales. Lisa is expe- rienced in valuing fair market prices for an- tiques, vintage furniture and collectibles. She has a law degree from Lincoln Law School of San Jose and is an associate of the American Society Of Estate Liquidators [AESL]. Being a member of e American Society of Estate Liquidators® (ASEL) represents a commit- ment to uphold standards of conduct and best practices as a measure of effectiveness and integrity within the estate sales industry. As a member of ASEL we agree to observe a set of principles dictated by ASEL in order to maintain our membership in good standing Professionals in this field should have insight into marketing and be business savvy with the ability to maintain an edge over others. We have outstanding sales results because we use the best people for research, selling, crowd control and protection. Hire A Professional To Conduct Your Estate Sale When: • ere are high value items needing expert research and marketing • Have an Estate that needs extensive organization in order to properly stage an Estate Sale • You simply do not have the time • You want to improve an estates ability to capture higher dollars for almost anything you can find in your home... • You want to maximize the efforts on behalf of your estate and generate greater sales income. is decision will more than pay for their services and fees. Call for a free consultation at (408) 234- 8486 or email me at ModenaEstateSales@ gmail.com. www.ModenaEstateSales.com B Y M A R I N A W A T T S , R E V E R S E M O R T G A G E C O N S U L T A N T H I G H T E C H L E N D I N G B Y L I S A M O D E N A , J . D . , O W N E R M O D E N A E S T A T E S A L E S Mortgage Free in Paradise? When is it Right to Hold an Estate Sale?

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