Cheryl Scheidell discusses reverse mortgage basics, potential retirement cash-flow strategies, second-lien reverse mortgages, and reverse mortgages for purchase. She also shares upcoming Total Wine educational events and welcomes guests from Sunset Ridge PTA to discuss community involvement.

Topics covered


Understanding reverse mortgages and eligibility


Potentially eliminating an existing required monthly mortgage payment


Second-lien reverse mortgages and reverse mortgages for purchase


Important costs, responsibilities, and questions to consider


Sunset Ridge PTA's October 30th Trunk or Treat and Fall Festival


Candy donations, online giving, volunteering, and sponsorship opportunities


How churches, community organizations, and senior groups can request Cheryl as a speaker

Upcoming educational events

Scottsdale: October 28, 2026 - Total Wine 3p.m.-5p.m.
Tempe: November 17, 2026 - Old Republic Title  11:30-1:30p.m.

Visit ReverseMortgageAndBeyond.com for details and RSVP.

Contact Cheryl Scheidell

Phone: 480-817-4324
Email:cheryls@barrettfinancial.com
Website: ReverseMortgageAndBeyond.com
YouTube: @reversemortgageandbeyond with Cheryl Scheidell

Barrett Financial Group, L.L.C.
Company NMLS #181106
Cheryl Scheidell NMLS #886425
Equal Housing Lender

Guest information

Justin Hamilton — President, Sunset Ridge PTA

 Jen Snider - Events Committee Member

For official details about the October 30th events, candy drive, online donations, volunteering, sponsorships, and future activities, consult Sunset Ridge PTA's verified social media pages and official donation information.

https://www.instagram.com/ssrpta/

https://storage.googleapis.com/pt05-2/messages/attachments/b13ec5e41582622a124a7a7af4e3396f/Sunset_Ridge_Trunk_or_Treat_Fall_Carnival_%25282%2529_%25281%2529.pdf

Mortgage disclosure

This is not a commitment to lend. All loans are subject to credit approval and applicable program requirements. Reverse mortgage borrowers remain responsible for property taxes, homeowners insurance, maintenance, and other loan obligations. Loan costs and accrued interest may reduce remaining home equity.

 

Cheryl Scheidell discusses reverse mortgage basics, potential retirement cash-flow strategies, second-lien reverse mortgages, and reverse mortgages for purchase. She also shares upcoming Total Wine educational events and welcomes guests from Sunset Ridge PTA to discuss community involvement.
Topics covered
<ul data-spread="false">
<li>
Understanding reverse mortgages and eligibility
</li>
<li>
Potentially eliminating an existing required monthly mortgage payment
</li>
<li>
Second-lien reverse mortgages and reverse mortgages for purchase
</li>
<li>
Important costs, responsibilities, and questions to consider
</li>
<li>
Sunset Ridge PTA's October 30th Trunk or Treat and Fall Festival
</li>
<li>
Candy donations, online giving, volunteering, and sponsorship opportunities
</li>
<li>
How churches, community organizations, and senior groups can request Cheryl as a speaker
</li>
</ul>
Upcoming educational events
Scottsdale: October 28, 2026 - Total Wine 3p.m.-5p.m. Tempe: November 17, 2026 - Old Republic Title&nbsp; 11:30-1:30p.m.
Visit ReverseMortgageAndBeyond.com for details and RSVP.
Contact Cheryl Scheidell
Phone: 480-817-4324 Email: <a href="mailto:cheryls@barrettfinancial.com">cheryls@barrettfinancial.com</a> Website: ReverseMortgageAndBeyond.com YouTube: @reversemortgageandbeyond with Cheryl Scheidell
Barrett Financial Group, L.L.C. Company NMLS #181106 Cheryl Scheidell NMLS #886425 Equal Housing Lender
Guest information
Justin Hamilton &mdash; President, Sunset Ridge PTA
&nbsp;Jen Snider - Events Committee Member
For official details about the October 30th events, candy drive, online donations, volunteering, sponsorships, and future activities, consult Sunset Ridge PTA's verified social media pages and official donation information.
<a href="https://www.instagram.com/ssrpta/">https://www.instagram.com/ssrpta/</a>
<a href="https://nam02.safelinks.protection.outlook.com/?url=https%3A%2F%2Fstorage.googleapis.com%2Fpt05-2%2Fmessages%2Fattachments%2Fb13ec5e41582622a124a7a7af4e3396f%2FSunset_Ridge_Trunk_or_Treat_Fall_Carnival_%2525282%252529_%2525281%252529.pdf&amp;data=05%7C02%7CCherylS%40barrettfinancial.com%7Ca64b0ca92c414cc5af7f08df32601a03%7C12df965207d948a6a1940018887f4c47%7C0%7C0%7C639285060667892471%7CUnknown%7CTWFpbGZsb3d8eyJFbXB0eU1hcGkiOnRydWUsIlYiOiIwLjAuMDAwMCIsIlAiOiJXaW4zMiIsIkFOIjoiTWFpbCIsIldUIjoyfQ%3D%3D%7C0%7C%7C%7C&amp;sdata=ahVgiZVGFaUMdeJ4%2BydFHSVj7O%2FcbRAIBUYN%2FMOdIGU%3D&amp;reserved=0">https://storage.googleapis.com/pt05-2/messages/attachments/b13ec5e41582622a124a7a7af4e3396f/Sunset_Ridge_Trunk_or_Treat_Fall_Carnival_%25282%2529_%25281%2529.pdf</a>
Mortgage disclosure
This is not a commitment to lend. All loans are subject to credit approval and applicable program requirements. Reverse mortgage borrowers remain responsible for property taxes, homeowners insurance, maintenance, and other loan obligations. Loan costs and accrued interest may reduce remaining home equity.
&nbsp;

Cheryl Scheidell - Reverse Mortgage Specialist 

Cheryl Scheidell - Reverse Mortgage Specialist&nbsp;

Is a Reverse Mortgage Right for You?  with Cheryl Scheidell

10-25-26 -   Home Equity, Holiday Financial Flexibility & Supporting Our Schools with Justin Hamilton, Jen Snider and with Cheryl from Barrett Financial

What happens to your home when you pass away and have a reverse mortgage? Will your children be able to keep the house? What if the loan balance exceeds the property's value? And what protections may apply to a surviving spouse?

In this interview-style episode, Lydia Wietsma asks Cheryl Scheidell the questions homeowners and families need answered. They discuss reverse mortgage repayment, inheritance, surviving spouses, selling a family home, and practical steps homeowners can take to prepare their families for the future.

Topics include:


What happens to a reverse mortgage when the borrower passes away.


Options heirs may have to keep or sell the home.


What the HECM non-recourse feature means.


Surviving-spouse considerations.


How a reverse mortgage may affect the equity available to heirs.


Why family conversations and estate planning matter.


Practical steps homeowners can take now.

Upcoming Reverse Mortgage Educational Sessions


October 28, 3:00–5:00 PM — Scottsdale


November 17 — Tempe

Visit ReverseMortgageAndBeyond.com for event details.

Contact Cheryl Scheidell

Reverse Mortgage Specialist / Senior Mortgage Loan Originator
Barrett Financial Group, L.L.C.

Phone: 480-817-4324
Email: cheryls@barrettfinancial.com
Website: ReverseMortgageAndBeyond.com
YouTube: @reversemortgageandbeyond with Cheryl Scheidell

Contact Lydia Wietsma

NextHome Power Realty
Phone: 602-363-1720
Email: lydia@arizonapoweragent.com
Website: ProbateRealtyHelp.com

Listen: Sundays at 3:30 PM Arizona time on AM 960 KKNT, The Patriot.

Educational Disclaimer: This program is for educational purposes only and does not constitute legal, tax, investment, or individualized financial advice. Reverse mortgage eligibility, terms, protections, and repayment requirements vary by loan type and individual circumstances. Consult your loan servicer and qualified legal and financial professionals regarding your situation.

Barrett Financial Group, L.L.C. | NMLS #181106
Cheryl Scheidell | NMLS #886425
Equal Housing Lender
nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

This is not a commitment to lend. All loans are subject to credit approval and applicable program requirements.

What happens to your home when you pass away and have a reverse mortgage? Will your children be able to keep the house? What if the loan balance exceeds the property's value? And what protections may apply to a surviving spouse?
In this interview-style episode, Lydia Wietsma asks Cheryl Scheidell the questions homeowners and families need answered. They discuss reverse mortgage repayment, inheritance, surviving spouses, selling a family home, and practical steps homeowners can take to prepare their families for the future.
Topics include:
<ul data-spread="false">
<li>
What happens to a reverse mortgage when the borrower passes away.
</li>
<li>
Options heirs may have to keep or sell the home.
</li>
<li>
What the HECM non-recourse feature means.
</li>
<li>
Surviving-spouse considerations.
</li>
<li>
How a reverse mortgage may affect the equity available to heirs.
</li>
<li>
Why family conversations and estate planning matter.
</li>
<li>
Practical steps homeowners can take now.
</li>
</ul>
Upcoming Reverse Mortgage Educational Sessions
<ul data-spread="false">
<li>
October 28, 3:00&ndash;5:00 PM &mdash; Scottsdale
</li>
<li>
November 17 &mdash; Tempe
</li>
</ul>
Visit ReverseMortgageAndBeyond.com for event details.
Contact Cheryl Scheidell
Reverse Mortgage Specialist / Senior Mortgage Loan Originator Barrett Financial Group, L.L.C.
Phone: 480-817-4324 Email: <a href="mailto:cheryls@barrettfinancial.com">cheryls@barrettfinancial.com</a> Website: ReverseMortgageAndBeyond.com YouTube: @reversemortgageandbeyond with Cheryl Scheidell
Contact Lydia Wietsma
NextHome Power Realty Phone: 602-363-1720 Email: <a href="mailto:lydia@arizonapoweragent.com">lydia@arizonapoweragent.com</a> Website: ProbateRealtyHelp.com
Listen: Sundays at 3:30 PM Arizona time on AM 960 KKNT, The Patriot.
Educational Disclaimer: This program is for educational purposes only and does not constitute legal, tax, investment, or individualized financial advice. Reverse mortgage eligibility, terms, protections, and repayment requirements vary by loan type and individual circumstances. Consult your loan servicer and qualified legal and financial professionals regarding your situation.
Barrett Financial Group, L.L.C. | NMLS #181106 Cheryl Scheidell | NMLS #886425 Equal Housing Lender nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106
This is not a commitment to lend. All loans are subject to credit approval and applicable program requirements.

10-18-26 - The House After You're Gone: What Happens to Your Home, Your Heirs, and Your Legacy?

What does it really take to stay active, strong and independent as we age?

In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell talks with Jodi Stokes, owner of Jodi Stokes Fitness, LLC, about the importance of exercise and functional movement throughout the aging process.

Jodi brings decades of experience in fitness and wellness and has a BS in Exercise Science, a Master's in Health & Wellness, women's health training, CBT/productivity coaching experience and is the author of Water Exercise by Jodi. Her concierge fitness approach includes customized training and wellness support, including mobile and water-based exercise.

In this episode, Cheryl and Jodi discuss:
How much exercise we really need as we actively age
The best types of workouts for older adults
Functional fitness for people who are moving or downsizing
Whether you really need an hour to exercise
How to separate good fitness information from internet misinformation
Why muscle strength matters as we age
Exercise, balance and fall prevention
The benefits of water exercise
The importance of rest and recovery
How to get started if you've been inactive

Connect with Jodi Stokes

Jodi Stokes Fitness, LLC
BS Exercise Science
Master Health & Wellness
Women's Health
CBT & Productivity Coach
Author, Water Exercise by Jodi
Email:jodi@jodistokes.com
Website:https://jodistokes.com/
Facebook: Jodi Stokes Fitness
Instagram: Jodi Stokes Fitness
YouTube: Jodi Stokes Fitness

Jodi provides personalized fitness and wellness coaching, including concierge-style training designed around an individual's goals, lifestyle and abilities.

Connect with Cheryl Scheidell

Cheryl Scheidell
Reverse Mortgage Specialist / Senior Mortgage Loan Originator
Barrett Financial Group, L.L.C.
NMLS #181106 | Cheryl NMLS #886425

Phone: 480-817-4324
Email:cheryls@barrettfinancial.com
Website:ReverseMortgageAndBeyond.com
YouTube:https://www.youtube.com/@ReverseMortgageandBeyond

Upcoming Lunch & Learn

Tuesday, October 13
11:30 AM – 1:30 PM
Total Wine — 1900 E. Rio Salado, Tempe, Az 85281

Reverse Mortgage and Probate — Educating Referral Partners

Join Cheryl for an educational Lunch & Learn designed for professionals who work with seniors, homeowners, families, real estate and retirement planning.

RSVP: Cheryl at 480-817-4324

For upcoming events and additional information, visit ReverseMortgageAndBeyond.com.

Disclaimer

This program is for educational purposes only and is not intended to provide financial, legal, tax, medical or investment advice. Reverse mortgage programs have eligibility requirements and costs. All loans are subject to credit approval and program guidelines. This is not a commitment to lend.

What does it really take to stay active, strong and independent as we age?
In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell talks with Jodi Stokes, owner of Jodi Stokes Fitness, LLC, about the importance of exercise and functional movement throughout the aging process.
Jodi brings decades of experience in fitness and wellness and has a BS in Exercise Science, a Master's in Health &amp; Wellness, women's health training, CBT/productivity coaching experience and is the author of Water Exercise by Jodi. Her concierge fitness approach includes customized training and wellness support, including mobile and water-based exercise.
In this episode, Cheryl and Jodi discuss:
<ul data-spread="false">
<li>How much exercise we really need as we actively age</li>
<li>The best types of workouts for older adults</li>
<li>Functional fitness for people who are moving or downsizing</li>
<li>Whether you really need an hour to exercise</li>
<li>How to separate good fitness information from internet misinformation</li>
<li>Why muscle strength matters as we age</li>
<li>Exercise, balance and fall prevention</li>
<li>The benefits of water exercise</li>
<li>The importance of rest and recovery</li>
<li>How to get started if you've been inactive</li>
</ul>
Connect with Jodi Stokes
Jodi Stokes Fitness, LLC BS Exercise Science Master Health &amp; Wellness Women's Health CBT &amp; Productivity Coach Author, Water Exercise by Jodi
<ul>
<li>Email: <a href="mailto:jodi@jodistokes.com">jodi@jodistokes.com</a></li>
<li>Website: <a href="https://jodistokes.com/">https://jodistokes.com/</a></li>
<li>Facebook: Jodi Stokes Fitness</li>
<li>Instagram: Jodi Stokes Fitness</li>
<li>YouTube: Jodi Stokes Fitness</li>
</ul>
Jodi provides personalized fitness and wellness coaching, including concierge-style training designed around an individual's goals, lifestyle and abilities.
Connect with Cheryl Scheidell
Cheryl Scheidell Reverse Mortgage Specialist / Senior Mortgage Loan Originator Barrett Financial Group, L.L.C. NMLS #181106 | Cheryl NMLS #886425
Phone: 480-817-4324 Email: <a href="mailto:cheryls@barrettfinancial.com">cheryls@barrettfinancial.com</a> Website: <a href="https://reversemortgageandbeyond.com">ReverseMortgageAndBeyond.com</a> YouTube: <a href="https://www.youtube.com/@ReverseMortgageandBeyond">https://www.youtube.com/@ReverseMortgageandBeyond</a>
Upcoming Lunch &amp; Learn
Tuesday, October 13 11:30 AM &ndash; 1:30 PM Total Wine &mdash; 1900 E. Rio Salado, Tempe, Az 85281
Reverse Mortgage and Probate &mdash; Educating Referral Partners
Join Cheryl for an educational Lunch &amp; Learn designed for professionals who work with seniors, homeowners, families, real estate and retirement planning.
RSVP: Cheryl at 480-817-4324
For upcoming events and additional information, visit ReverseMortgageAndBeyond.com.
Disclaimer
This program is for educational purposes only and is not intended to provide financial, legal, tax, medical or investment advice. Reverse mortgage programs have eligibility requirements and costs. All loans are subject to credit approval and program guidelines. This is not a commitment to lend.

10-11-26 -  Move for Life: Why Strength, Balance & Exercise Matter as We Age with Jodi Stokes & Cheryl Scheidell         

Fall Prevention: Protecting Independence as We Age

In this episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell is joined by Lori Stauffer from the Scottsdale Department of Community Relations for an important conversation about fall prevention and aging safely.

Falls aren't simply something that "happens to old people." They can be life-changing, which makes prevention, awareness and planning important parts of maintaining independence and quality of life.

In this episode, Cheryl and Lori discuss:
Why people often don't recognize their risk of falling
Why falls are a serious issue
Safety risks in and around the home
Medical condition and medication management
Maintaining independence, self-reliance and autonomy
Quality of life and continuing to do the things you enjoy
The burden placed on family caregivers
The importance of a comprehensive assessment
Resources that may help people remain independent
Whether Independent Living or Assisted Living is appropriate
What families should consider when evaluating care options

Contact Lori Stauffer

Lori Stauffer
Scottsdale Department of Community Relations
Email:lstauffer@scottsdaleaz.gov

Contact Cheryl Scheidell

Cheryl Scheidell
Reverse Mortgage Specialist / Senior Mortgage Loan Originator
Barrett Financial Group, L.L.C.
NMLS #181106 | Cheryl NMLS #886425

Phone: 480-817-4324
Email:cheryls@barrettfinancial.com
Website: ReverseMortgageAndBeyond.com

YouTube:@reversemortgageandbeyond with Cheryl Scheidell

Important Disclaimer

This is not a commitment to lend. All loans subject to credit approval.
nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106

Reverse mortgage programs have specific eligibility requirements, costs and obligations. Homeowners remain responsible for property charges, including taxes, insurance, HOA dues and property maintenance.

Fall Prevention: Protecting Independence as We Age
In this episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell is joined by Lori Stauffer from the Scottsdale Department of Community Relations for an important conversation about fall prevention and aging safely.
Falls aren't simply something that "happens to old people." They can be life-changing, which makes prevention, awareness and planning important parts of maintaining independence and quality of life.
In this episode, Cheryl and Lori discuss:
<ul data-spread="false">
<li>Why people often don't recognize their risk of falling</li>
<li>Why falls are a serious issue</li>
<li>Safety risks in and around the home</li>
<li>Medical condition and medication management</li>
<li>Maintaining independence, self-reliance and autonomy</li>
<li>Quality of life and continuing to do the things you enjoy</li>
<li>The burden placed on family caregivers</li>
<li>The importance of a comprehensive assessment</li>
<li>Resources that may help people remain independent</li>
<li>Whether Independent Living or Assisted Living is appropriate</li>
<li>What families should consider when evaluating care options</li>
</ul>
Contact Lori Stauffer
Lori Stauffer Scottsdale Department of Community Relations Email: <a href="mailto:lstauffer@scottsdaleaz.gov">lstauffer@scottsdaleaz.gov</a>
Contact Cheryl Scheidell
Cheryl Scheidell Reverse Mortgage Specialist / Senior Mortgage Loan Originator Barrett Financial Group, L.L.C. NMLS #181106 | Cheryl NMLS #886425
Phone: 480-817-4324 Email: <a href="mailto:cheryls@barrettfinancial.com">cheryls@barrettfinancial.com</a> Website: ReverseMortgageAndBeyond.com
YouTube: <a href="https://www.youtube.com/@ReverseMortgageandBeyond">@reversemortgageandbeyond with Cheryl Scheidell</a>
Important Disclaimer
This is not a commitment to lend. All loans subject to credit approval. nmlsconsumeraccess.org/EntityDetails.aspx/COMPANY/181106
Reverse mortgage programs have specific eligibility requirements, costs and obligations. Homeowners remain responsible for property charges, including taxes, insurance, HOA dues and property maintenance.

10-25-26 - Home Equity, Holiday Financial Flexibility & Supporting Our Schools with Justin Hamilton, Jen Snider and with Cheryl from Barrett Financial

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Is a Reverse Mortgage Right for You? with Cheryl Scheidell

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