Licensed in Real Estate and mortgages since 1979. Over the years, I developed large single-family tracts of land, was top RE sales, and 20 years owned mort. Brokerage, 2013 Super Mortgage Professional. Now I specialize in reverse mortgages, with 13 years of experience. Teach consumers, Real Estate agents, planners, anyone, and everyone the dynamics of the product. A most rewarding segment of my career, I love my clientele. I also love my wife, eight kids, and 14 grandchildren. We own a year-round lake home in my hometown Big Lake, MN, been Pres. of a large lake assn. For 10 years. Our lake home is the first home in the U.S. to ever receive an FHA Rural Home Improvement loan in 1949. Five US Senators flew from D.C. to Big Lake, MN to witness the signing of the mortgage. Now, I specialize in FHA loans - Reverse mortgages.