Michael
Fullam comes to the Reverse home mortgage industry
with 20 years experience in Accounting & Taxation.
After selling his practice, he decided to open a business
that educated seniors on the benefits of Reverse home
mortgages. When he entered the field, Michael discovered
he needed to familiarize himself with seniors’
challenges and lifestyle. For perspective, and to
better counsel them on a mortgage product suited to
their needs, he became a Certified Senior Advisor
(CSA). There is a code of ethics and principals for
all who are in good standing with the society of Certified
Senior Advisors. If a reverse home mortgage does not
perfectly fit a client’s needs, he recommends
either a traditional mortgage refinance or a consultation
with a financial advisor or accountant. In some cases,
clients are referred to a trust attorney who sets
up an instrument to pass all remaining equity to beneficiaries
without going through Probate.
The CSA designation is a universal supplement to anyone
who works with seniors. CSAs understand and communicate
with seniors on their terms on the subjects that most
influence their lives. And if they can’t help
seniors directly, CSAs know how to find them the help
needed. Other designations teach about products or
professions. CSA’s teach about people. Please
visit the CSA website: http://www.society-csa.com/
is the professional
society representing some 40,000 Enrolled Agents (EAs)
nationwide. The 11,000 members are licensed by the
U.S. Department of the Treasury to represent taxpayers
before all administrative levels of the Internal Revenue
Service (IRS), including examination, collection,
and appeals functions.
While the Enrolled Agent license was created in 1884
and has a long and storied past, today’s EAs
are the only tax professionals tested by IRS on their
knowledge of tax law and regulations. They provide
tax preparation, representation, tax planning, and
other financial services to millions of individual
and business taxpayers. EAs adhere to a code of ethics
and professional conduct and are required by IRS to
take Continuing Professional Education. Like Certified
Public Accountants (CPAs), Treasury Circular 230 governs
EAs in their practice before the IRS.
All of our clients are treated with care and respect.
Loans are processed in 25-45 days and progress reports
are given weekly, so clients feel comfortable every
step along the process.
Michael or one of his associates would be happy to
discuss individual scenarios and how Reverse home
mortgages work on a case by case basis. You can email Michael at mfullam@trinityreverse.com or call him at: 800-880-7317
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