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>
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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;

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.

10-4-26 -   Fall Prevention: Protecting Independence as We Age with Lori Stauffer and Cheryl from Barrett Financial

Reverse Mortgages & Retirement Planning: Could Your Home Equity Be Part of the Plan?

What if your home equity could be part of the conversation when planning for retirement?

In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, is joined by Tammy Semler, Founder and Advisor at Lighthouse Retirement Services, for a conversation from both the reverse-mortgage and financial-advisor perspectives.

Rather than looking at a reverse mortgage as a standalone mortgage product, Cheryl and Tammy discuss how home equity may fit into a homeowner's broader retirement strategy—including cash flow, liquidity, investments, and long-term goals.

In This Episode, We Discuss:

• Reverse Mortgage Basics — How a reverse mortgage differs from a traditional mortgage and what homeowners should understand about ownership and ongoing responsibilities.

• Home Equity & Retirement Cash Flow — What it can mean to be "house rich but cash flow poor" and how accessing home equity may provide additional financial flexibility.

• The "No Monthly Mortgage Payment" Question — What that phrase actually means and which housing expenses homeowners remain responsible for.

• Why Financial Advisors Should Understand Home Equity — How home equity can be considered alongside investments, Social Security, pensions, annuities and other retirement resources.

• Market Downturns & Liquidity — How having additional sources of liquidity may provide homeowners with more choices when managing retirement assets.

• Heirs & Home Equity — What families should understand about a reverse mortgage loan balance, remaining equity and repayment when the loan becomes due.

• Reverse Mortgage for Purchase — How qualifying older homeowners may use a reverse mortgage as part of the financing when purchasing a new principal residence.

• Who May Consider a Reverse Mortgage for Purchase — Downsizing, moving closer to family, relocating to a retirement community, reducing maintenance, or looking for a different way to structure the purchase of a home.

• Working With Financial Advisors — Why collaboration among the homeowner, financial advisor and reverse mortgage professional can be an important part of the conversation.

The Big Takeaway

The conversation isn't simply about asking, "How much money can I get from my home?"

It's about starting with a bigger question:

"What am I trying to accomplish in retirement?"

From eliminating an existing mortgage payment to creating additional cash-flow flexibility, establishing a line of credit, downsizing, purchasing a new home, or simply understanding available options, home equity can be an important part of the retirement conversation.

A reverse mortgage isn't right for everyone. The goal is education, understanding the numbers, and determining whether it fits an individual's circumstances and retirement goals.

Connect With Cheryl

Cheryl Scheidell
Reverse Mortgage Specialist
Barrett Financial Group

📞 480-817-4324
📧 cheryls@barrettfinancial.com
🌐 ReverseMortgageAndBeyond.com
📺 YouTube: @reversemortgageandbeyond

Cheryl has been in the mortgage business since 2002 and has specialized in reverse mortgages for more than a decade.

Educational conversations. No sales pressure. Just helping you understand your options.

This program is for educational purposes only. Reverse mortgage programs have specific eligibility requirements, terms, costs and obligations. Borrowers remain responsible for property taxes, homeowners insurance, maintenance and other property-related obligations. Individual circumstances vary. This is not a commitment to lend. All loans subject to credit approval.

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

Reverse Mortgages &amp; Retirement Planning: Could Your Home Equity Be Part of the Plan?
What if your home equity could be part of the conversation when planning for retirement?
In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell, Reverse Mortgage Specialist with Barrett Financial Group, is joined by Tammy Semler, Founder and Advisor at Lighthouse Retirement Services, for a conversation from both the reverse-mortgage and financial-advisor perspectives.
Rather than looking at a reverse mortgage as a standalone mortgage product, Cheryl and Tammy discuss how home equity may fit into a homeowner's broader retirement strategy&mdash;including cash flow, liquidity, investments, and long-term goals.
In This Episode, We Discuss:
&bull; Reverse Mortgage Basics &mdash; How a reverse mortgage differs from a traditional mortgage and what homeowners should understand about ownership and ongoing responsibilities.
&bull; Home Equity &amp; Retirement Cash Flow &mdash; What it can mean to be "house rich but cash flow poor" and how accessing home equity may provide additional financial flexibility.
&bull; The "No Monthly Mortgage Payment" Question &mdash; What that phrase actually means and which housing expenses homeowners remain responsible for.
&bull; Why Financial Advisors Should Understand Home Equity &mdash; How home equity can be considered alongside investments, Social Security, pensions, annuities and other retirement resources.
&bull; Market Downturns &amp; Liquidity &mdash; How having additional sources of liquidity may provide homeowners with more choices when managing retirement assets.
&bull; Heirs &amp; Home Equity &mdash; What families should understand about a reverse mortgage loan balance, remaining equity and repayment when the loan becomes due.
&bull; Reverse Mortgage for Purchase &mdash; How qualifying older homeowners may use a reverse mortgage as part of the financing when purchasing a new principal residence.
&bull; Who May Consider a Reverse Mortgage for Purchase &mdash; Downsizing, moving closer to family, relocating to a retirement community, reducing maintenance, or looking for a different way to structure the purchase of a home.
&bull; Working With Financial Advisors &mdash; Why collaboration among the homeowner, financial advisor and reverse mortgage professional can be an important part of the conversation.
The Big Takeaway
The conversation isn't simply about asking, "How much money can I get from my home?"
It's about starting with a bigger question:
"What am I trying to accomplish in retirement?"
From eliminating an existing mortgage payment to creating additional cash-flow flexibility, establishing a line of credit, downsizing, purchasing a new home, or simply understanding available options, home equity can be an important part of the retirement conversation.
A reverse mortgage isn't right for everyone. The goal is education, understanding the numbers, and determining whether it fits an individual's circumstances and retirement goals.
Connect With Cheryl
Cheryl Scheidell Reverse Mortgage Specialist Barrett Financial Group
📞 480-817-4324 📧 <a href="mailto:cheryls@barrettfinancial.com">cheryls@barrettfinancial.com</a> 🌐 ReverseMortgageAndBeyond.com 📺 YouTube: @reversemortgageandbeyond
Cheryl has been in the mortgage business since 2002 and has specialized in reverse mortgages for more than a decade.
Educational conversations. No sales pressure. Just helping you understand your options.
This program is for educational purposes only. Reverse mortgage programs have specific eligibility requirements, terms, costs and obligations. Borrowers remain responsible for property taxes, homeowners insurance, maintenance and other property-related obligations. Individual circumstances vary. This is not a commitment to lend. All loans subject to credit approval.
Barrett Financial Group, L.L.C. | NMLS #181106 | Cheryl Scheidell NMLS #886425 | Equal Housing Lender

9-27-26 -   Is a Reverse Mortgage Right for You with Cheryl from Barrett Financial

Planning for the Retirement You Want—and the Care You May Need

On today's episode, Cheryl Scheidell is joined by Tammy Semler of Lighthouse Retirement Services and Jill Facarazzo of Futurity First Wealth Management for an important conversation about retirement planning, long-term care, and preparing for the unexpected.

Retirement planning isn't just about investments and income. It's also about understanding the potential cost of care, protecting your retirement assets, and making informed decisions about the resources available to you.

IN THIS EPISODE, WE DISCUSS:

With Tammy Semler:
Why long-term care should be an essential part of retirement planning
How likely someone may be to need long-term care during retirement
How long-term care needs can last
The potential costs of home care, assisted living, nursing facilities and memory care
Common misconceptions about Medicare and paying for long-term care
The role of family members in providing care
Traditional long-term care insurance
Hybrid life insurance policies
Retirement-income strategies
Self-funding long-term care expenses
Repositioning assets
Planning considerations involving Medicaid eligibility
The first steps to take when you're concerned about future long-term care costs

With Jill Facarazzo:
The biggest mistakes people make when planning for retirement
How to determine whether you're actually ready to retire
Questions to consider before leaving the workforce
One thing you can do this year to potentially improve your retirement plan

MEET OUR GUESTS

Tammy Semler

Founder / Advisor
Lighthouse Retirement Services

Tammy helps clients navigate retirement planning and understand strategies designed to address income needs, retirement risks and long-term care considerations.

📞 623-244-0520
📧 tammy@lighthouseretirementservices.com

Jill Facarazzo

Futurity First Wealth Management

8501 E Princess Dr., Suite 210
Scottsdale, AZ 85255

📞 Office: 602-365-0474
📱 Text Only: 480-809-9016
📧 jill@ffigaz.com

YOUR HOST — CHERYL SCHEIDELL

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

📞 480-817-4324
📧 cheryls@barrettfinancial.com
🌐 ReverseMortgageAndBeyond.com
▶️ YouTube: @ReverseMortgageAndBeyond

Have questions about reverse mortgages, reverse mortgage purchases, second-lien reverse mortgages or how home equity may fit into a retirement strategy?

Call Cheryl at 480-817-4324.

The goal is education first—understanding the facts, the options, the costs and the questions you should be asking before making a decision.

IMPORTANT DISCLAIMER

This program and the information discussed are provided for educational and informational purposes only and are not intended to provide financial, investment, tax, legal, insurance, healthcare or Medicaid-planning advice.

A reverse mortgage is a loan and is subject to eligibility requirements, borrower obligations, costs and applicable program guidelines. A reverse mortgage is not right for everyone. Borrowers are responsible for meeting the terms of the loan and for maintaining the property, paying property taxes, homeowners insurance, HOA dues and other applicable property-related expenses.

A reverse mortgage may affect eligibility for certain means-tested government benefits, including Medicaid or Supplemental Security Income (SSI). Borrowers should consult with appropriate financial, tax, legal, insurance and benefits professionals regarding their individual circumstances before making decisions.

Information regarding long-term care costs, insurance products, Medicare, Medicaid and retirement strategies can vary based on individual circumstances and may change over time. Nothing discussed on this program should be considered a guarantee of future costs, benefits, investment performance or insurance coverage.

This is not a commitment to lend. All loans subject to credit approval.

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

Planning for the Retirement You Want&mdash;and the Care You May Need
On today's episode, Cheryl Scheidell is joined by Tammy Semler of Lighthouse Retirement Services and Jill Facarazzo of Futurity First Wealth Management for an important conversation about retirement planning, long-term care, and preparing for the unexpected.
Retirement planning isn't just about investments and income. It's also about understanding the potential cost of care, protecting your retirement assets, and making informed decisions about the resources available to you.
IN THIS EPISODE, WE DISCUSS:
With Tammy Semler:
<ul data-spread="false">
<li>Why long-term care should be an essential part of retirement planning</li>
<li>How likely someone may be to need long-term care during retirement</li>
<li>How long-term care needs can last</li>
<li>The potential costs of home care, assisted living, nursing facilities and memory care</li>
<li>Common misconceptions about Medicare and paying for long-term care</li>
<li>The role of family members in providing care</li>
<li>Traditional long-term care insurance</li>
<li>Hybrid life insurance policies</li>
<li>Retirement-income strategies</li>
<li>Self-funding long-term care expenses</li>
<li>Repositioning assets</li>
<li>Planning considerations involving Medicaid eligibility</li>
<li>The first steps to take when you're concerned about future long-term care costs</li>
</ul>
With Jill Facarazzo:
<ul data-spread="false">
<li>The biggest mistakes people make when planning for retirement</li>
<li>How to determine whether you're actually ready to retire</li>
<li>Questions to consider before leaving the workforce</li>
<li>One thing you can do this year to potentially improve your retirement plan</li>
</ul>
<hr>
MEET OUR GUESTS
Tammy Semler
Founder / Advisor Lighthouse Retirement Services
Tammy helps clients navigate retirement planning and understand strategies designed to address income needs, retirement risks and long-term care considerations.
📞 623-244-0520 📧 <a href="mailto:tammy@lighthouseretirementservices.com">tammy@lighthouseretirementservices.com</a>
<hr>
Jill Facarazzo
Futurity First Wealth Management
8501 E Princess Dr., Suite 210 Scottsdale, AZ 85255
📞 Office: 602-365-0474 📱 Text Only: 480-809-9016 📧 <a href="mailto:jill@ffigaz.com">jill@ffigaz.com</a>
<hr>
YOUR HOST &mdash; CHERYL SCHEIDELL
Reverse Mortgage Specialist / Senior Mortgage Loan Originator Barrett Financial Group, L.L.C. NMLS #181106 Cheryl Scheidell &mdash; NMLS #886425
📞 480-817-4324 📧 <a href="mailto:cheryls@barrettfinancial.com">cheryls@barrettfinancial.com</a> 🌐 ReverseMortgageAndBeyond.com ▶️ YouTube: @ReverseMortgageAndBeyond
Have questions about reverse mortgages, reverse mortgage purchases, second-lien reverse mortgages or how home equity may fit into a retirement strategy?
Call Cheryl at 480-817-4324.
The goal is education first&mdash;understanding the facts, the options, the costs and the questions you should be asking before making a decision.
<hr>
IMPORTANT DISCLAIMER
This program and the information discussed are provided for educational and informational purposes only and are not intended to provide financial, investment, tax, legal, insurance, healthcare or Medicaid-planning advice.
A reverse mortgage is a loan and is subject to eligibility requirements, borrower obligations, costs and applicable program guidelines. A reverse mortgage is not right for everyone. Borrowers are responsible for meeting the terms of the loan and for maintaining the property, paying property taxes, homeowners insurance, HOA dues and other applicable property-related expenses.
A reverse mortgage may affect eligibility for certain means-tested government benefits, including Medicaid or Supplemental Security Income (SSI). Borrowers should consult with appropriate financial, tax, legal, insurance and benefits professionals regarding their individual circumstances before making decisions.
Information regarding long-term care costs, insurance products, Medicare, Medicaid and retirement strategies can vary based on individual circumstances and may change over time. Nothing discussed on this program should be considered a guarantee of future costs, benefits, investment performance or insurance coverage.
This is not a commitment to lend. All loans subject to credit approval.
Barrett Financial Group, L.L.C. NMLS #181106 | Cheryl Scheidell NMLS #886425 | Equal Housing Lender

9-20-26 -   Planning for the Retirement You Want—and the Care You May Need with Tammy, Jill and Cheryl from Barrett Financial

Reverse Mortgage Basics, Reverse Purchase & Second-Lien Options

Have you ever wondered whether the equity in your home could play a bigger role in your retirement?

In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell of Barrett Financial takes a straightforward look at three reverse mortgage strategies that today's homeowners should understand:

🏠 Reverse Mortgage Basics

What is a reverse mortgage? How does it work? Who may qualify? Cheryl breaks down the fundamentals and addresses some of the most common misconceptions surrounding reverse mortgages.

🏡 Reverse Mortgage for Purchase

Thinking about downsizing, moving closer to family, relocating, or finding a more manageable home for retirement? Learn how an eligible homeowner may be able to use a reverse mortgage to purchase a new primary residence while potentially eliminating the need for a traditional monthly mortgage payment.

💰 Second-Lien Reverse Mortgages

What if you already have a first mortgage with a favorable interest rate and don't want to refinance? Cheryl explains how a second-lien reverse mortgage may provide another potential way for qualified homeowners to access home equity while keeping an existing first mortgage in place.

Whether you're a homeowner, an adult child helping your parents, a Realtor, or a financial professional, this episode is designed to help you understand the options and ask better questions.

The goal isn't to tell you whether a reverse mortgage is right for you. It's to help you understand the options so you can make an informed decision.

📞 Have Questions?

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

📱 Call or Text: 480-817-4324
📧 Email:cheryls@barrettfinancial.com
🌐 Website: ReverseMortgageAndBeyond.com
▶️ YouTube: Reverse Mortgage and Beyond
@reversemortgageandbeyond

Education comes first. If you're curious about reverse mortgages, reverse purchases, or second-lien options, start with a conversation.

Important Disclaimer

This content is for educational and informational purposes only and is not a commitment to lend. All loans are subject to credit approval and applicable program requirements. Reverse mortgage eligibility, loan amounts, interest rates, costs, and availability vary based on individual circumstances and program guidelines. Borrowers remain responsible for property taxes, homeowners insurance, maintenance, and other applicable obligations. Consult appropriate financial, tax, legal, and other professionals regarding your individual situation.

Reverse Mortgage Basics, Reverse Purchase &amp; Second-Lien Options
Have you ever wondered whether the equity in your home could play a bigger role in your retirement?
In this episode of Is A Reverse Mortgage Right for You?, Cheryl Scheidell of Barrett Financial takes a straightforward look at three reverse mortgage strategies that today's homeowners should understand:
🏠 Reverse Mortgage Basics
What is a reverse mortgage? How does it work? Who may qualify? Cheryl breaks down the fundamentals and addresses some of the most common misconceptions surrounding reverse mortgages.
🏡 Reverse Mortgage for Purchase
Thinking about downsizing, moving closer to family, relocating, or finding a more manageable home for retirement? Learn how an eligible homeowner may be able to use a reverse mortgage to purchase a new primary residence while potentially eliminating the need for a traditional monthly mortgage payment.
💰 Second-Lien Reverse Mortgages
What if you already have a first mortgage with a favorable interest rate and don't want to refinance? Cheryl explains how a second-lien reverse mortgage may provide another potential way for qualified homeowners to access home equity while keeping an existing first mortgage in place.
Whether you're a homeowner, an adult child helping your parents, a Realtor, or a financial professional, this episode is designed to help you understand the options and ask better questions.
The goal isn't to tell you whether a reverse mortgage is right for you. It's to help you understand the options so you can make an informed decision.
📞 Have Questions?
Cheryl Scheidell Reverse Mortgage Specialist / Senior Mortgage Loan Originator Barrett Financial Group, L.L.C. NMLS #181106 Cheryl NMLS #886425
📱 Call or Text: 480-817-4324 📧 Email: <a href="mailto:cheryls@barrettfinancial.com">cheryls@barrettfinancial.com</a> 🌐 Website: ReverseMortgageAndBeyond.com ▶️ YouTube: Reverse Mortgage and Beyond @reversemortgageandbeyond
Education comes first. If you're curious about reverse mortgages, reverse purchases, or second-lien options, start with a conversation.
Important Disclaimer
This content is for educational and informational purposes only and is not a commitment to lend. All loans are subject to credit approval and applicable program requirements. Reverse mortgage eligibility, loan amounts, interest rates, costs, and availability vary based on individual circumstances and program guidelines. Borrowers remain responsible for property taxes, homeowners insurance, maintenance, and other applicable obligations. Consult appropriate financial, tax, legal, and other professionals regarding your individual situation.

9-13-26 - Is a Reverse Mortgage Right for You with Cheryl from Barrett Financial

Home Equity, Reverse Mortgages, Probate & Protecting Your Legacy

In Part 2 of this special conversation with Lydia Wietsma of NextHome Power Realty, Cheryl Scheidell explores how homeowners may potentially use home equity as part of their retirement strategy.

The conversation then shifts to probate and estate planning, including Beneficiary Deeds and Trusts.

🏡 Part 1 — Cheryl Scheidell & Reverse Mortgages

Lydia asks Cheryl:
What are some ways homeowners can potentially use their home equity?
Can a reverse mortgage be used to purchase a home?
What happens if a homeowner already has a mortgage?
How can a reverse mortgage potentially be part of a retirement or wealth-building strategy?
What types of reverse mortgages are available?
What is the best first step for someone considering a reverse mortgage?

📋 Part 2 — Lydia Wietsma & Probate Planning

Cheryl asks Lydia:
What is probate and why do families often want to avoid it?
What mistakes can unintentionally cause an estate to go through probate?
What simple steps can homeowners take to help their families prepare?
Is it ever too late to start planning?
What is a Beneficiary Deed?
How does a Beneficiary Deed compare with a Trust?
Why is planning ahead so important when your home is one of your largest assets?

 

📞 CONNECT WITH CHERYL SCHEIDELL

Cheryl Scheidell
Reverse Mortgage Specialist
Barrett Financial Group, L.L.C.

📱 Phone: 480-817-4324
📧 Email: cheryls@barrettfinancial.com
🌐 Website: ReverseMortgageAndBeyond.com
▶️ YouTube: @reversemortgageandbeyond

NMLS #886425
Barrett Financial Group, L.L.C. — NMLS #181106

📞 CONNECT WITH LYDIA WIETSMA

Lydia Wietsma
NextHome Power Realty
125 N. 22nd Place, Unit 105
Mesa, AZ 85213

📱 Phone: 602-363-1720
📧 Email: lydia@arizonapoweragent.com
🌐 Website: ProbateRealtyHelp.com

Arizona Real Estate License #: SA542934000

🔟 HASHTAGS

#ReverseMortgage
#IsAReverseMortgageRightForYou
#HomeEquity
#RetirementPlanning
#ReverseMortgageForPurchase
#Probate
#BeneficiaryDeed
#EstatePlanning
#AgingInPlace
#FinancialWellness

⚠️ EDUCATIONAL DISCLAIMER

This program is for educational purposes only and is not a commitment to lend. Reverse mortgage programs have eligibility requirements, financial obligations, and conditions. For an FHA-insured HECM, borrowers generally must be 62 or older. Borrowers remain responsible for property taxes, homeowners insurance, maintenance, occupancy requirements, and other applicable obligations.

Information regarding probate, Beneficiary Deeds, Trusts, and estate planning is general educational information and should not be considered legal advice. Consult qualified legal, tax, financial, and real estate professionals regarding your individual circumstances.

Home Equity, Reverse Mortgages, Probate &amp; Protecting Your Legacy
In Part 2 of this special conversation with Lydia Wietsma of NextHome Power Realty, Cheryl Scheidell explores how homeowners may potentially use home equity as part of their retirement strategy.
The conversation then shifts to probate and estate planning, including Beneficiary Deeds and Trusts.
🏡 Part 1 &mdash; Cheryl Scheidell &amp; Reverse Mortgages
Lydia asks Cheryl:
<ul>
<li>What are some ways homeowners can potentially use their home equity?</li>
<li>Can a reverse mortgage be used to purchase a home?</li>
<li>What happens if a homeowner already has a mortgage?</li>
<li>How can a reverse mortgage potentially be part of a retirement or wealth-building strategy?</li>
<li>What types of reverse mortgages are available?</li>
<li>What is the best first step for someone considering a reverse mortgage?</li>
</ul>
📋 Part 2 &mdash; Lydia Wietsma &amp; Probate Planning
Cheryl asks Lydia:
<ul>
<li>What is probate and why do families often want to avoid it?</li>
<li>What mistakes can unintentionally cause an estate to go through probate?</li>
<li>What simple steps can homeowners take to help their families prepare?</li>
<li>Is it ever too late to start planning?</li>
<li>What is a Beneficiary Deed?</li>
<li>How does a Beneficiary Deed compare with a Trust?</li>
<li>Why is planning ahead so important when your home is one of your largest assets?</li>
</ul>
&nbsp;
📞 CONNECT WITH CHERYL SCHEIDELL
Cheryl Scheidell Reverse Mortgage Specialist Barrett Financial Group, L.L.C.
📱 Phone: 480-817-4324 📧 Email: cheryls@barrettfinancial.com 🌐 Website: ReverseMortgageAndBeyond.com ▶️ YouTube: @reversemortgageandbeyond
NMLS #886425 Barrett Financial Group, L.L.C. &mdash; NMLS #181106
📞 CONNECT WITH LYDIA WIETSMA
Lydia Wietsma NextHome Power Realty 125 N. 22nd Place, Unit 105 Mesa, AZ 85213
📱 Phone: 602-363-1720 📧 Email: lydia@arizonapoweragent.com 🌐 Website: ProbateRealtyHelp.com
Arizona Real Estate License #: SA542934000
🔟 HASHTAGS
#ReverseMortgage #IsAReverseMortgageRightForYou #HomeEquity #RetirementPlanning #ReverseMortgageForPurchase #Probate #BeneficiaryDeed #EstatePlanning #AgingInPlace #FinancialWellness
⚠️ EDUCATIONAL DISCLAIMER
This program is for educational purposes only and is not a commitment to lend. Reverse mortgage programs have eligibility requirements, financial obligations, and conditions. For an FHA-insured HECM, borrowers generally must be 62 or older. Borrowers remain responsible for property taxes, homeowners insurance, maintenance, occupancy requirements, and other applicable obligations.
Information regarding probate, Beneficiary Deeds, Trusts, and estate planning is general educational information and should not be considered legal advice. Consult qualified legal, tax, financial, and real estate professionals regarding your individual circumstances.

9-6-26 - Part 2 of The Power Hour with Lydia Wietsma and Cheryl from Barrett Financial - Lydia  Wietsma

Mindful Real Estate Investing, Wealth & Your Home Equity — A Conversation with Jonathan Greene

In this episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell turns the tables and interviews Jonathan Greene, host of Zen and the Art of Real Estate Investing.

Jonathan's career journey has taken him from real estate investing at a young age to practicing law, opening four art galleries, curating a museum, teaching graduate students, and ultimately returning to real estate.

Today, Jonathan runs Streamline, a data-driven, investor-friendly, independent real estate brokerage in Madison, New Jersey, and hosts Zen and the Art of Real Estate Investing, with more than 365 episodes.

Jonathan has more than 30 years of experience in real estate transactions across multiple states, including:
Single-family rentals
Short-term rentals
Flips
Syndications
Commercial strip malls
Industrial real estate

He is also a licensed Associate Broker in New York with Country House Realty, focusing on weekend homes and short-term rentals in Upstate New York.

In this conversation, Cheryl and Jonathan discuss:
Jonathan's unconventional career journey
Why he started investing in real estate at such a young age
How his legal and artistic careers influenced his real estate career
Financial mindfulness
Wealth generation
Lifestyle architecture
Building wealth through real estate
The difference between being wealthy on paper and having financial flexibility
The concept of being "house rich and cash poor"
How homeowners should think about their home equity
Home equity as part of a larger retirement strategy
Reverse mortgages
Reverse Mortgage for Purchase
Downsizing and lifestyle changes
Aging in place
Creating financial flexibility during retirement

A Special Connection

Cheryl was recently a guest on Jonathan's podcast, Zen and the Art of Real Estate Investing, and this episode brings that conversation full circle by welcoming Jonathan to Is a Reverse Mortgage Right for You?

📣 CONNECT WITH JONATHAN

Jonathan Greene
Host — Zen and the Art of Real Estate Investing
Real Estate Investor | Broker | Educator | Speaker

Streamline — Independent Real Estate Brokerage
Madison, New Jersey

Zen and the Art of Real Estate Investing
Podcast featuring conversations about financial mindfulness, wealth generation and lifestyle architecture.

📣 CONNECT WITH JONATHAN GREENE

Host — Zen and the Art of Real Estate Investing
Real Estate Investor | Broker | Educator | Speaker

Website:trustgreene.com

Podcast:Zen and the Art of Real Estate Investing

Streamline — Independent Real Estate Brokerage
Madison, New Jersey

Jonathan's podcast features conversations about financial mindfulness, wealth generation, real estate investing, and lifestyle architecture.

 

 📣CONNECT WITH CHERYL SCHEIDELL

Cheryl Scheidell
Reverse Mortgage Specialist
Barrett Financial Group, L.L.C.
NMLS #886425
Barrett Financial Group, L.L.C. NMLS #181106

📞 Phone: 480-817-4324
📧 Email:cheryls@barrettfinancial.com
🌐 Website:barrettfinancial.com/cscheidell
▶️ YouTube:Reverse Mortgage and Beyond — YouTube

🎙️ Listen to Cheryl's show:
Is a Reverse Mortgage Right for You?

🎥 Watch and follow:
Reverse Mortgage and Beyond

⚠️ EDUCATIONAL DISCLAIMER

This program is for educational and informational purposes only and is not a commitment to lend. Reverse mortgage borrowers must meet applicable eligibility requirements and continue to meet loan obligations, including property taxes, homeowners insurance, property maintenance, and other applicable loan terms. Reverse mortgage programs, terms, and availability vary based on borrower qualifications, property type, lender, and program guidelines. Consumers should consider their individual circumstances and consult appropriate financial, tax, legal, and housing professionals as applicable.

#ReverseMortgage
#IsAReverseMortgageRightForYou
#JonathanGreene
#ZenAndTheArtOfRealEstateInvesting
#RealEstateInvesting
#RealEstateEducation
#HomeEquity
#RetirementPlanning
#WealthBuilding
#FinancialMindfulness
#LifestyleArchitecture
#RealEstateWealth
#RetirementIncome
#AgingInPlace
#SeniorHomeowners
#Downsizing
#HomeEquityStrategy
#ReverseMortgageEducation
#ReverseMortgageAndBeyond

Mindful Real Estate Investing, Wealth &amp; Your Home Equity &mdash; A Conversation with Jonathan Greene
In this episode of Is a Reverse Mortgage Right for You?, Cheryl Scheidell turns the tables and interviews Jonathan Greene, host of Zen and the Art of Real Estate Investing.
Jonathan's career journey has taken him from real estate investing at a young age to practicing law, opening four art galleries, curating a museum, teaching graduate students, and ultimately returning to real estate.
Today, Jonathan runs Streamline, a data-driven, investor-friendly, independent real estate brokerage in Madison, New Jersey, and hosts Zen and the Art of Real Estate Investing, with more than 365 episodes.
Jonathan has more than 30 years of experience in real estate transactions across multiple states, including:
<ul data-spread="false">
<li>Single-family rentals</li>
<li>Short-term rentals</li>
<li>Flips</li>
<li>Syndications</li>
<li>Commercial strip malls</li>
<li>Industrial real estate</li>
</ul>
He is also a licensed Associate Broker in New York with Country House Realty, focusing on weekend homes and short-term rentals in Upstate New York.
In this conversation, Cheryl and Jonathan discuss:
<ul data-spread="false">
<li>Jonathan's unconventional career journey</li>
<li>Why he started investing in real estate at such a young age</li>
<li>How his legal and artistic careers influenced his real estate career</li>
<li>Financial mindfulness</li>
<li>Wealth generation</li>
<li>Lifestyle architecture</li>
<li>Building wealth through real estate</li>
<li>The difference between being wealthy on paper and having financial flexibility</li>
<li>The concept of being "house rich and cash poor"</li>
<li>How homeowners should think about their home equity</li>
<li>Home equity as part of a larger retirement strategy</li>
<li>Reverse mortgages</li>
<li>Reverse Mortgage for Purchase</li>
<li>Downsizing and lifestyle changes</li>
<li>Aging in place</li>
<li>Creating financial flexibility during retirement</li>
</ul>
A Special Connection
Cheryl was recently a guest on Jonathan's podcast, Zen and the Art of Real Estate Investing, and this episode brings that conversation full circle by welcoming Jonathan to Is a Reverse Mortgage Right for You?
<hr>
📣 CONNECT WITH JONATHAN
Jonathan Greene Host &mdash; Zen and the Art of Real Estate Investing Real Estate Investor | Broker | Educator | Speaker
Streamline &mdash; Independent Real Estate Brokerage Madison, New Jersey
Zen and the Art of Real Estate Investing Podcast featuring conversations about financial mindfulness, wealth generation and lifestyle architecture.
📣 CONNECT WITH JONATHAN GREENE
Host &mdash;&nbsp;Zen and the Art of Real Estate Investing Real Estate Investor | Broker | Educator | Speaker
Website: <a href="https://trustgreene.com?utm_source=chatgpt.com">trustgreene.com</a>
Podcast: <a href="https://zenandtheartofrealestateinvesting.com?utm_source=chatgpt.com">Zen and the Art of Real Estate Investing</a>
Streamline &mdash; Independent Real Estate Brokerage Madison, New Jersey
Jonathan's podcast features conversations about financial mindfulness, wealth generation, real estate investing, and lifestyle architecture.
&nbsp;
<hr>
&nbsp;📣CONNECT WITH CHERYL SCHEIDELL
Cheryl Scheidell Reverse Mortgage Specialist Barrett Financial Group, L.L.C. NMLS #886425 Barrett Financial Group, L.L.C. NMLS #181106
📞 Phone: 480-817-4324 📧 Email: <a href="mailto:cheryls@barrettfinancial.com">cheryls@barrettfinancial.com</a> 🌐 Website: <a href="https://barrettfinancial.com/cscheidell?utm_source=chatgpt.com">barrettfinancial.com/cscheidell</a> ▶️ YouTube: <a href="https://www.youtube.com/@reversemortgageandbeyond?utm_source=chatgpt.com">Reverse Mortgage and Beyond &mdash; YouTube</a>
🎙️ Listen to Cheryl's show: Is a Reverse Mortgage Right for You?
🎥 Watch and follow: Reverse Mortgage and Beyond
<hr>
⚠️ EDUCATIONAL DISCLAIMER
This program is for educational and informational purposes only and is not a commitment to lend. Reverse mortgage borrowers must meet applicable eligibility requirements and continue to meet loan obligations, including property taxes, homeowners insurance, property maintenance, and other applicable loan terms. Reverse mortgage programs, terms, and availability vary based on borrower qualifications, property type, lender, and program guidelines. Consumers should consider their individual circumstances and consult appropriate financial, tax, legal, and housing professionals as applicable.
<hr>
#ReverseMortgage #IsAReverseMortgageRightForYou #JonathanGreene #ZenAndTheArtOfRealEstateInvesting #RealEstateInvesting #RealEstateEducation #HomeEquity #RetirementPlanning #WealthBuilding #FinancialMindfulness #LifestyleArchitecture #RealEstateWealth #RetirementIncome #AgingInPlace #SeniorHomeowners #Downsizing #HomeEquityStrategy #ReverseMortgageEducation #ReverseMortgageAndBeyond

8-30-26 - Mindful Real Estate Investing, Wealth & Your Home Equity — A Conversation with Jonathan Greene

Your Home Is a Target: The Hidden Threat of Real Estate Fraud

Your home may be your largest financial asset — but are you doing enough to protect it?

In this episode of “Is A Reverse Mortgage Right for You?”, Cheryl Scheidell sits down with John Rowan, HFDCP™, Founder of Home Fraud Defense™ Certified Professional, for an important conversation about the evolving world of real estate fraud.

John and Cheryl discuss:
Whether “title lock” and “title protection” services are worth paying for
Why vacant land can be an attractive target
How AI has changed real estate fraud
Why fraud risk doesn't necessarily end when you close on a property
Who is actually behind these schemes
Whether stolen funds can be recovered — and why acting quickly matters
The role real estate agents play in fraud prevention
Why older homeowners and out-of-state property owners can be specifically targeted
What John would change at the state or industry level
How his background as an airline pilot influences his approach to fraud prevention

🛡️ CONNECT WITH JOHN ROWAN

John Rowan, HFDCP™
Certified Instructor | Founder
Home Fraud Defense™ Certified Professional

🌐 HomeFraudDefense.org
📧 John@HomeFraudDefense.org
📞 623-281-7852
ADRE School #S25-0019

🏡 ABOUT CHERYL SCHEIDELL

Cheryl Scheidell is a Reverse Mortgage Specialist with Barrett Financial Group and host of “Is A Reverse Mortgage Right for You?”

Cheryl helps homeowners understand how home equity may fit into retirement planning, aging in place, home purchases, and overall financial strategies.

📞 CONTACT CHERYL

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

📞 Phone: 480-817-4324
📧 Email:cheryls@barrettfinancial.com
🌐 Website: barrettfinancial.com/cscheidell
▶️ YouTube: @reversemortgageandbeyond

Show:Is A Reverse Mortgage Right for You?

Whether you're considering a reverse mortgage, looking at your home equity as part of your retirement strategy, or simply want to understand your options, Cheryl is here to help you make an informed decision.

⚠️ EDUCATIONAL DISCLAIMER

This program is for educational and informational purposes only and is not intended to provide legal, financial, tax, real estate, cybersecurity, or other professional advice. Individual circumstances vary. Consult with appropriate qualified professionals regarding your specific situation.

#HomeFraudDefense
#RealEstateFraud
#ProtectYourHome
#DeedFraud
#RealEstateScams
#FraudPrevention
#Homeowners
#RealEstateProfessionals
#SeniorHomeowners
#ReverseMortgage

Your Home Is a Target: The Hidden Threat of Real Estate Fraud
Your home may be your largest financial asset &mdash; but are you doing enough to protect it?
In this episode of &ldquo;Is A Reverse Mortgage Right for You?&rdquo;, Cheryl Scheidell sits down with John Rowan, HFDCP&trade;, Founder of Home Fraud Defense&trade; Certified Professional, for an important conversation about the evolving world of real estate fraud.
John and Cheryl discuss:
<ul data-start="12044" data-end="12695">
<li data-section-id="8exynb" data-start="12044" data-end="12123">Whether &ldquo;title lock&rdquo; and &ldquo;title protection&rdquo; services are worth paying for</li>
<li data-section-id="ybmoek" data-start="12124" data-end="12173">Why vacant land can be an attractive target</li>
<li data-section-id="18gy57o" data-start="12174" data-end="12216">How AI has changed real estate fraud</li>
<li data-section-id="u9e2bm" data-start="12217" data-end="12286">Why fraud risk doesn't necessarily end when you close on a property</li>
<li data-section-id="73sgf0" data-start="12287" data-end="12325">Who is actually behind these schemes</li>
<li data-section-id="1y6rdh7" data-start="12326" data-end="12398">Whether stolen funds can be recovered &mdash; and why acting quickly matters</li>
<li data-section-id="752bwm" data-start="12399" data-end="12457">The role real estate agents play in fraud prevention</li>
<li data-section-id="1ck201a" data-start="12458" data-end="12546">Why older homeowners and out-of-state property owners can be specifically targeted</li>
<li data-section-id="17uop48" data-start="12547" data-end="12606">What John would change at the state or industry level</li>
<li data-section-id="7p3yoo" data-start="12607" data-end="12695">How his background as an airline pilot influences his approach to fraud prevention</li>
</ul>
🛡️ CONNECT WITH JOHN ROWAN
John Rowan, HFDCP&trade; Certified Instructor | Founder Home Fraud Defense&trade; Certified Professional
🌐 HomeFraudDefense.org 📧 <a data-start="12871" data-end="12896">John@HomeFraudDefense.org</a> 📞 623-281-7852 ADRE School #S25-0019
🏡 ABOUT CHERYL SCHEIDELL
Cheryl Scheidell is a Reverse Mortgage Specialist with Barrett Financial Group and host of &ldquo;Is A Reverse Mortgage Right for You?&rdquo;
Cheryl helps homeowners understand how home equity may fit into retirement planning, aging in place, home purchases, and overall financial strategies.
📞 CONTACT CHERYL
Cheryl Scheidell Reverse Mortgage Specialist Mortgage Loan Originator NMLS #886425 Barrett Financial Group, L.L.C. NMLS #181106
📞 Phone: 480-817-4324 📧 Email: <a href="mailto:cheryls@barrettfinancial.com">cheryls@barrettfinancial.com</a> 🌐 Website: barrettfinancial.com/cscheidell ▶️ YouTube: @reversemortgageandbeyond
Show: Is A Reverse Mortgage Right for You?
Whether you're considering a reverse mortgage, looking at your home equity as part of your retirement strategy, or simply want to understand your options, Cheryl is here to help you make an informed decision.
⚠️ EDUCATIONAL DISCLAIMER
This program is for educational and informational purposes only and is not intended to provide legal, financial, tax, real estate, cybersecurity, or other professional advice. Individual circumstances vary. Consult with appropriate qualified professionals regarding your specific situation.
#HomeFraudDefense #RealEstateFraud #ProtectYourHome #DeedFraud #RealEstateScams #FraudPrevention #Homeowners #RealEstateProfessionals #SeniorHomeowners #ReverseMortgage

8-23-26 - Your Home Is a Target w/John Rowan -  Part 2 -  Is a Reverse Mortgage Right for You with Cheryl from Barrett Financial

Cheryl Scheidell - Reverse Mortgage Specialist 

Cheryl Scheidell - Reverse Mortgage Specialist&nbsp;

Is a Reverse Mortgage Right for You? with Cheryl Scheidell

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