Reverse mortgage guidance for Palm Springs & the Coachella Valley

02

Ways people use it

Real situations, worked with real numbers

Your situation, your numbers

“Every homeowner’s situation is different — the only way to know your real numbers is to run them.”

Todd · Reverse mortgage basics

03

Tools

Free steps that ask for nothing

The free book

If It Were My Mom

Name and email, nothing else.

Send me the book →

05

Local

One page for each Coachella Valley city

The office

Palm Springs

1800 E Tahquitz Canyon Way, Ste #200
Palm Springs, CA 92262
(760) 778-5111

06

Contact

Book a call or send your situation

Prefer to talk it through first?

Call or text (760) 808-4500

Todd · Book With Todd

01 Learn

Plain answers to the questions people search most

Reverse mortgage basics
What it is, who it fits, what it costs

How it works
Balance, equity and credit line, year by year

Qualifying
The residual-income test, in plain numbers

Property issues
Condos, manufactured homes, flood zones

When the borrower dies
What your family does next

The quote and counseling
HUD counseling, and reading your quote

Shopping for a reverse
Five questions to ask before you sign

When your spouse isn’t 62
Protections for a younger spouse

FAQ and glossary
Straight answers and plain definitions

02 Ways people use it

Real situations, worked with real numbers

Buying a home with one
Buy more home than cash alone allows

Using it in retirement
A planning tool, not a last resort

Reverse second mortgage
Keep your first mortgage in place

Compared with equity share
An honest side-by-side

HECM refinance check-up
Is your current reverse still right?

03 Tools

Free steps that ask for nothing

How much can I borrow
An estimate that asks for nothing

The free book
If It Were My Mom

Videos
Plain-English explainers from Todd

Blog
Notes from the kitchen table

04 About Todd

Who you would be working with, and why to trust him

About Todd
Who you’d be sitting across from

Who I help
Homeowners, families, Realtors, planners

For financial planners
The buffer-asset research

Success stories
Real people, real numbers

Designations
What CRMP means, and why it matters

Meet the team
The colleagues behind the calls

Don’t take my word for it
The independent research

06 Contact

Book a call or send your situation

Book a call with Todd
Pick an hour on his calendar

Send your scenario
Describe your situation in writing

Call or text Todd

(760) 808-4500

Who we are


Suggested text: Our website address is: https://walcott.ddd-staging.us.


Comments


Suggested text: When visitors leave comments on the site we collect the data shown in the comments form, and also the visitor’s IP address and browser user agent string to help spam detection.


An anonymized string created from your email address (also called a hash) may be provided to the Gravatar service to see if you are using it. The Gravatar service privacy policy is available here: https://automattic.com/privacy/. After approval of your comment, your profile picture is visible to the public in the context of your comment.


Media


Suggested text: If you upload images to the website, you should avoid uploading images with embedded location data (EXIF GPS) included. Visitors to the website can download and extract any location data from images on the website.


Cookies


Suggested text: If you leave a comment on our site you may opt-in to saving your name, email address and website in cookies. These are for your convenience so that you do not have to fill in your details again when you leave another comment. These cookies will last for one year.


If you visit our login page, we will set a temporary cookie to determine if your browser accepts cookies. This cookie contains no personal data and is discarded when you close your browser.


When you log in, we will also set up several cookies to save your login information and your screen display choices. Login cookies last for two days, and screen options cookies last for a year. If you select "Remember Me", your login will persist for two weeks. If you log out of your account, the login cookies will be removed.


If you edit or publish an article, an additional cookie will be saved in your browser. This cookie includes no personal data and simply indicates the post ID of the article you just edited. It expires after 1 day.


Embedded content from other websites


Suggested text: Articles on this site may include embedded content (e.g. videos, images, articles, etc.). Embedded content from other websites behaves in the exact same way as if the visitor has visited the other website.


These websites may collect data about you, use cookies, embed additional third-party tracking, and monitor your interaction with that embedded content, including tracking your interaction with the embedded content if you have an account and are logged in to that website.


Who we share your data with


Suggested text: If you request a password reset, your IP address will be included in the reset email.


How long we retain your data


Suggested text: If you leave a comment, the comment and its metadata are retained indefinitely. This is so we can recognize and approve any follow-up comments automatically instead of holding them in a moderation queue.


For users that register on our website (if any), we also store the personal information they provide in their user profile. All users can see, edit, or delete their personal information at any time (except they cannot change their username). Website administrators can also see and edit that information.


What rights you have over your data


Suggested text: If you have an account on this site, or have left comments, you can request to receive an exported file of the personal data we hold about you, including any data you have provided to us. You can also request that we erase any personal data we hold about you. This does not include any data we are obliged to keep for administrative, legal, or security purposes.


Where your data is sent


Suggested text: Visitor comments may be checked through an automated spam detection service.