Reverse With Mike Podcast – Unlocking Retirement Success With Reverse Mortgages

In this milestone episode, host Mike Baltazar, Reverse Mortgage Specialist and Manager for MBX Advisors Network, kicks off the next chapter of the podcast with a powerful message: retirement success doesn’t come from siloed advice—it comes from coordinated strategy.Discover why reverse mortgages are too often left out of the retirement conversation, and how the MBX Advisors Network is bridging the gap between real estate agents, financial advisors, attorneys, and mortgage professionals to better serve clients.Whether you're a homeowner planning for retirement or a trusted advisor helping others do the same, this episode will open your eyes to how home equity can play a smarter, more strategic role in preserving wealth, eliminating mortgage payments, and providing long-term financial security.You’ll learn:Why ignoring home equity could be sabotaging your retirement planHow coordination between professionals leads to better client outcomesWhat financial advisors and agents need to know about reverse mortgage strategyHow MBX’s network is reshaping retirement solutions nationwideSubscribe now and join us as we help more Americans retire with clarity, dignity, and confidence.📩 Questions or collaboration inquiries? Email Reverse@mbxmortgage.com.

Welcome to the Reverse With Mike Podcast, the podcast where home equity meets retirement strategy. Hosted by Mike Baltazar, Reverse Mortgage Specialist and Manager for MBX Mortgage, this show is your go-to resource for unlocking the power of reverse mortgages as part of a complete financial plan.Whether you're a homeowner exploring ways to retire without a monthly mortgage payment, a real estate agent helping clients transition into retirement with better options, a financial advisor seeking new tools to protect client portfolios, or a professional advisor supporting aging clients—this podcast is for you.Each episode breaks down reverse mortgage strategies, real-life success stories, and expert insights from the nationwide MBX Advisors Network—a collaborative group of trusted realtors, financial planners, and legal professionals working together to help clients make informed, confident decisions.You’ll learn:How reverse mortgages can create cash flow without selling the homeWhat advisors need to know to better serve clients nearing or in retirementHow home equity fits into broader wealth planning and asset protectionThe truth behind common myths and misconceptionsAnd how to build legacy without sacrificing lifestyleThe Reverse With Mike Podcast brings education, clarity, and connection to anyone serving—or navigating—retirement in today’s economy.Subscribe now and start discovering smarter ways to put all your assets to work. And please share with others. Together we can help our communities accomplish more.

Today, I want to share a real-world story—one that highlights how reverse mortgages can be used strategically, not just as a last resort, but as a powerful tool for financial planning.

Are your 62+ homebuyers walking away from the perfect property because they don’t want a mortgage payment? In this episode, reverse mortgage specialist Mike Baltazar explains how real estate agents can leverage the HECM for Purchase (H4P) program to help senior clients buy a new home without monthly mortgage payments.Learn how reverse mortgages for purchase work, how they preserve liquidity, and why more agents should be using this strategy to unlock listings, boost closings, and better serve older buyers.📩 Questions? Email info@retirewithoutmortgage.com or connect with Mike to explore partnership opportunities.

Divorce after 60—often called gray divorce—can create complex financial challenges, especially when it comes to the marital home. In this episode, reverse mortgage specialist Mike Baltazar explains how a reverse mortgage can be used during or after divorce to create equitable outcomes, protect retirement income, and help one spouse keep the home—without taking on a new monthly mortgage payment.This episode is a must-listen for divorce attorneys, financial planners, and anyone navigating a later-in-life divorce who wants to preserve housing stability and long-term financial health.📩 Questions? Email info@retirewithoutmortgage.com or connect with Mike to explore customized solutions.

Bankruptcy can feel like the end of the road—but for homeowners 62 and older, it may be the start of a new financial chapter. In this episode of Retire Without Mortgage, Mike Baltazar speaks directly to bankruptcy attorneys, sharing how a reverse mortgage can be used to prevent foreclosure, pay off debt, and create post-bankruptcy stability. Learn how home equity can serve as a lifeline for clients in distress and why working with a reverse mortgage specialist can open up options many attorneys and clients never knew existed.📩 Questions or referrals? Email mike@mikebaltazar.com

In this special episode of Retire Without Mortgage, Mike Baltazar kicks off a new series created specifically for financial professionals—starting with financial advisors. Discover how reverse mortgages can serve as a powerful tool to reduce sequence-of-returns risk, preserve investment portfolios, and enhance retirement income strategies. Learn why home equity should be part of every retirement plan and how partnering with an independent broker (with access to nine lenders) offers more flexibility for your clients.📩 Questions or referrals? Email info@retirewithoutmortgage.com

Worried about what happens to your home—or your heirs—after taking a reverse mortgage? In this episode of Retire Without Mortgage, Mike Baltazar explains exactly how reverse mortgages work when it comes to inheritance, estate planning, and protecting your family. Discover the flexible options your heirs have, how FHA safeguards prevent debt burdens, and why a reverse mortgage can be a smart legacy tool—not a financial trap.📩 Questions? Email us at info@retirewithoutmortgage.com

How you receive your reverse mortgage funds matters just as much as deciding to get one. In this episode of Retire Without Mortgage, Mike Baltazar breaks down the four main payout options—lump sum, line of credit, monthly payments, or a combination—and helps you determine which structure best fits your retirement goals. Whether you're looking for immediate relief, long-term flexibility, or reliable income, this episode will guide you to make the most of your home equity.📩 Questions? Email us at info@retirewithoutmortgage.com

You’ve unlocked your home equity—now what? In this episode of Retire Without Mortgage, Mike Baltazar shares smart, strategic ways retirees are using reverse mortgage funds to strengthen their financial future. From creating a market buffer and paying off debt, to extending retirement savings and enhancing lifestyle goals, learn how to make your equity work for you. This is about more than cash—it’s about peace of mind and long-term security.📩 Questions? Email us at info@retirewithoutmortgage.com

What does the reverse mortgage process actually look like—from start to finish? In this episode of Retire Without Mortgage, Mike Baltazar breaks down the entire journey, from your first consultation through counseling, appraisal, underwriting, and closing. You’ll also learn why working with a mortgage broker like Mike—who partners with nine different reverse mortgage lenders—gives you more options, better terms, and a higher chance of approval than working with someone limited to just one or two.📩 Questions? Email us at info@retirewithoutmortgage.com

Waiting for the “perfect time” to get a reverse mortgage could cost you — big time. In this episode of Retire Without Mortgage, Mike Baltazar shares the real-life story of Bill, a 78-year-old homeowner who delayed getting a reverse mortgage in hopes of avoiding any out-of-pocket costs. But as interest rates climbed, Bill's hesitation ended up costing him thousands more.Learn why waiting too long can backfire, how market changes impact your borrowing power, and why acting sooner can protect both your finances and your loved ones. If you’re considering a reverse mortgage, this episode is a must-listen.📩 Have questions? Email us at info@retirewithoutmortgage.com

A reverse mortgage can be a powerful financial tool, but is it the right fit for you? In this episode of Retire Without Mortgage, Mike Baltazar walks through the key factors every homeowner should consider before making a decision. Learn who benefits most from a reverse mortgage, who should explore other options, and how to evaluate whether this strategy aligns with your long-term financial goals. If you’re wondering whether a reverse mortgage could enhance your retirement, this episode is a must-listen.📩 Questions? Email us at ⁠info@retirewithoutmortgage.com⁠

There’s a lot of misinformation about reverse mortgages—but what’s really true? In this episode of Retire Without Mortgage, Mike Baltazar clears up the biggest misconceptions, from “losing ownership of your home” to concerns about heirs and costs. Learn how a reverse mortgage can provide financial flexibility without the risks many people assume. If you’ve ever had doubts about this strategy, this episode will give you the facts you need to make an informed decision.📩 Questions? Email us at info@retirewithoutmortgage.com

What if your home could provide the financial security you need without requiring a monthly mortgage payment? In this episode of Retire Without Mortgage, Mike Baltazar shares real-life stories of retirees who embraced financial flexibility by unlocking their home equity. From eliminating debt to creating a financial safety net, these homeowners turned their biggest asset into a retirement game-changer. Could this strategy work for you? Tune in to find out.📩 Questions? Email us at info@retirewithoutmortgage.com

For many retirees, their home is more than just a place to live—it’s a symbol of hard work, memories, and a legacy for their children. But are you holding onto your home because it’s the best financial decision for you, or because you feel obligated to? In this episode of Retire Without Mortgage, Mike Baltazar explores the emotional and financial realities of homeownership in retirement, why your kids may not want the house as much as you think, and how a reverse mortgage can help you enjoy retirement without sacrificing your family’s future.📩 Questions? Email us at info@retirewithoutmortgage.com

Many retirees believe that a paid-off home equals financial security—but what if that belief is holding you back? In this episode of Retire Without Mortgage, Mike Baltazar challenges the traditional mindset around homeownership and explores how unused home equity could be costing you more than you think. Learn why a reverse mortgage isn’t about losing your home—it’s about gaining financial flexibility, reducing risk, and ensuring your retirement works for you.📩 Questions? Email us at info@retirewithoutmortgage.com

Many retirees are house-rich but cash-flow poor—they’ve worked their entire lives to pay off their home, but now that very home is holding them back financially. In this episode of Retire Without Mortgage, Mike Baltazar recaps key lessons from the first 12 episodes and dives into the retirement dilemma: Home equity vs. cash flow. Learn how a reverse mortgage can turn a financial burden into a financial resource, allowing you to unlock liquidity, protect your savings, and secure a more comfortable retirement.📩 Questions? Email us at info@retirewithoutmortgage.com

Exciting news! In this episode, Mike Baltazar unveils the rebrand of our podcast to Retire Without Mortgage. Discover why this shift matters, how it builds on the same financial principles we’ve been discussing, and how we’re expanding our focus to help retirees make smarter, more strategic choices with their home equity. Whether you aim to retire mortgage-free or optimize your retirement with a strategic mortgage, this podcast is your guide.📩 Have questions? Email us at info@retirewithoutmortgage.com.

If you had $500K to buy a house... would you have wanted to know that your $500K could have bought a $700K without requiring a monthly mortgage payment?  Check out today's episode to learn more about this scenario. Enjoy, Mike & Team