Scott Johnson

Branch Manager

Traditional and Reverse Loans

NMLS # 26324

sjohnson@openmortgage.com

About Me

 

In 1998 I help a senior who was considering selling home to stay.   She had lived in her home of 45 years.  Her family was delighted with the life changing reverse mortgage.  This was truly life changing for her and as a loan originator I became focused on the reverse mortgage program and the many ways it helps the seniors in our communities.  I have been using the reverse mortgages ever since to extend the retirement funding of my senior clients.  Financial Planners for years used a 20 to 25-year retirement horizons when planning for our retirements. Although the last 5 years, seniors have been encouraged by financial planners to use a 30 to 35-year retirement horizon.  We are living many year longer then we had planned for sure.   If your retirement plan was set in place with a shorter horizon a reverse mortgage could get your retirement back on the right track for a fulfilling retirement.  All of us seniors need plan and to adjust our plans as we move through these silver years.   My experience with the Home Equity Conversion Mortgage (HECM) process will make this unique loan transaction as smooth and effortless as possible.  I still hear all the confusion surrounding a reverse mortgage and my goal is to make your retirement financing with a reverse mortgage less daunting and more understandable.  This program has to make sense to you and your family!  This opportunity to extend your retirement need serious consideration and planning.  Our new Smart Reverse application has shortened the learning curve for everyone.   Smart Reverse Mortgage will give you and your family the confidence that the program will be used correctly with the maximum outcome.   Adjustments can be made to and for your goals with maximum outcomes and my goal for you is a fulfilling retirement during your senior years.  The many benefits of the reverse mortgage will be fully covered in detail with recorded video guidance and text.

 

 

LICENSED IN:
ARIZONA | CALIFORNIA | IDAHO | WASHINGTON

Determine your monthly mortgage payment using our free calculator. Buying a home is a milestone, and it’s one of the most significant purchases you can make. It’s important to know what your mortgage payment could be, and how much you can afford.

If you plan to make a downpayment of less than 20% of the home’s value at purchase, you will be required to purchase private mortgage insurance (PMI).* Legal

Loan Amount
Down Payment %
Interest Rate
Term Years

Each month we produce a email newsletter that highlights an important topic in the realm of mortgages or homes in general. Please enter your contact information to the form on the right and click the submit button to be added to our mailing list.

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Buying a home is one of the biggest purchases you can make. Do you know what to expect in the homebuying process? Our 21 page eGuide gives you a roadmap of the entire homebuying process—from start to finish.

After reading this printable eGuide, you'll know how to:

  • Become financially ready to buy a home
  • Pre-qualify for homebuying
  • Search for homes and make an offer
  • Prepare for the mortgage application process
  • Be ready for ongoing financial responsibilities
  • Maximize enjoyment of your home
  • Increase your home’s energy efficiency to save money!

Whether you’re a first-time homebuyer or seasoned veteran, you’ll feel better about your homebuying goals after reading our eGuide.

Please fill out the fields below to get your Free eGuide

Determine your monthly mortgage payment using our free calculator. Buying a home is a milestone, and it’s one of the most significant purchases you can make. It’s important to know what your mortgage payment could be, and how much you can afford.

If you plan to make a downpayment of less than 20% of the home’s value at purchase, you will be required to purchase private mortgage insurance (PMI).* Legal

Loan Amount
Down Payment %
Interest Rate
Term Years

Each month we produce a email newsletter that highlights an important topic in the realm of mortgages or homes in general. Please enter your contact information to the form on the right and click the submit button to be added to our mailing list.

Don't miss another newsletter - sign up today!

Name*
Phone Number
Email Address*
Zip Code*

Buying a home is one of the biggest purchases you can make. Do you know what to expect in the homebuying process? Our 21 page eGuide gives you a roadmap of the entire homebuying process—from start to finish.

Learn More

Use our free Life Expectancy Set Aside (LESA) calculator to educate yourself on the amount needed to set aside funds to pay property charges, including homeowners insurance, property tax, and HOA dues. A LESA sets aside a portion of your reverse mortgage line of credit for the purpose of paying these future charges, giving you peace of mind. (Enter annual amounts.)* Legal

Property Tax
Homeowners Ins.
Flood Insurance
Your Age

Each month we produce a email newsletter that highlights an important topic in the realm of reverse mortgages or retirement in general. Please enter your contact information to the form on the right and click the submit button to be added to our mailing list.

Don't miss another newsletter - sign up today!

Name*
Phone Number
Email Address*
Zip Code*

Discover the Home Equity Conversion Mortgage (HECM), a remarkable tool that can provide seniors increased financial stability.

Our eGuide gives you a roadmap of the entire homebuying process—from start to finish. A Home Equity Conversion Mortgage (HECM can be strategically used to support a wide range of financial costs and goals. By using a HECM, eligible seniors could:

  • Build a “rainy day fund” for future health care costs
  • Supplement monthly living expenses
  • Fund expensive home and auto repairs
  • Live a more active lifestyle
  • Continue living in their home for the rest of their life
  • Buy a new home

This eGuide discusses the basics of the HECM, its range of benefits, if you’re a good candidate, and how to apply.

Please fill out the fields below to get your Free eGuide

Use our free Life Expectancy Set Aside (LESA) calculator to educate yourself on the amount needed to set aside funds to pay property charges, including homeowners insurance, property tax, and HOA dues. A LESA sets aside a portion of your reverse mortgage line of credit for the purpose of paying these future charges, giving you peace of mind. (Enter annual amounts.)* Legal

Property Tax
Homeowners Ins.
Flood Insurance
Your Age

Each month we produce a email newsletter that highlights an important topic in the realm of reverse mortgages or retirement in general. Please enter your contact information to the form on the right and click the submit button to be added to our mailing list.

Don't miss another newsletter - sign up today!

Name*
Phone Number
Email Address*
Zip Code*

Discover the Home Equity Conversion Mortgage (HECM), a remarkable tool that can provide seniors increased financial stability.

Learn More
Our Traditional Loan Programs View All
Our Reverse Mortgage Programs

HECM for Retirement

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HECM for Purchase

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