Meet your Reverse Mortgage Specialist
Jose R. Rodriguez
VP Mortgage Lending, Reverse Specialist
NMLS: 948161
[email protected]
cell phone: 847-417-9101
office phone: 312-383-6329
Create the future you’ve dreamed about
Feeling uncertain about your retirement? You're not alone. Many homeowners worry about maintaining their lifestyle without selling assets or making drastic changes. It doesn’t have to be this way. You deserve financial flexibility, independence, and peace of mind in your retirement. Let’s work together to make it possible.
Financial Flexibility
Independence
Peace of Mind
About Me
Helping homeowners and retirees unlock the right mortgage strategy with clarity, confidence, and peace of mind. ”With over 27 years in financial services and 13+ years in mortgage lending, I specialize in reverse mortgages (HECM), retirement income planning strategies, and home equity solutions for homeowners age 62+ as well as traditional homebuyers and refinancers.
I work with seniors and families to navigate reverse mortgage options, purchase loans, refinance strategies, and home equity access, helping them make informed decisions aligned with their retirement goals, cash flow needs, and long-term financial planning. I have learned throughout the years how life changing these loans can be and focus on educating families about their choices. My wife Barbara and I have raised three terrific children, Katrina, Joseph and Grace and reside in Wilmette. I am also fluent in Spanish, thanks to my parents that emigrated to the United States from Cuba.
Don’t just take my word for it—hear from those I’ve helped.
I was very happy with the agent who assisted me. The whole process was completed in a short period of time yet no pressure was put on me. I felt comfortable and well informed.
We are beyond thrilled!! I’m standing in the new kitchen right this moment!!! Everyone was a joy to work with!!! Thank you to all who worked so hard!! We love it!!
Thank you so much for your guidance and support throughout this process. I truly appreciate your help navigating each step and ensuring everything was completed smoothly.
Your path to financial freedom starts here
Imagine having the freedom to live life on your terms. With a reverse mortgage, you can access the resources you need—how and when you need them. Watch these videos to see exactly how a reverse mortgage works—and how easy the process can be.
Reverse mortgages have age restrictions starting at 55+. Eligibility varies by product. Please consult with a licensed loan officer to explore the specific options available to you.
Ready to see how a reverse mortgage can benefit you?
Tap into the wealth you've built
Here are just a few ways a reverse mortgage can help you maximize your home’s value to achieve
the lifestyle you’ve always dreamed about:
- Improve Cash Flow
Use your home’s equity to pay off existing debt, including mortgage payments, credit card balances, and other financial obligations.
- Extend Savings
Maximize your financial resources and preserve other assets by tapping into your home equity instead.
- Purchase Your Dream Home
Use your home equity to purchase a new dream home that matches your retirement lifestyle.
- Upgrade Your Current Home
Don’t want to move? Make necessary home renovations to safely age in place.
- Maintain Your Independence
Fund or improve in-home care to continue living comfortably and independently, without relying on loved ones.
Working together for a secure financial future
At Rate, we understand that every client has unique needs. Whether you're a homeowner planning your future, a financial advisor guiding your clients, or a realtor assisting with property transactions, we're here to help.
Homeowners
Your home is more than just a place to live—it’s a valuable asset that can help support the lifestyle you’ve worked hard to achieve. We offer flexible solutions to help make your retirement goal a reality.
Financial Advisors
We collaborate with financial advisors to ensure their clients are using all available tools to strengthen their retirement strategies.
A reverse mortgage can provide increased liquidity without selling assets or affecting long-term portfolios.
Real Estate Agents
Realtors play a crucial role in helping clients make life-changing decisions about their homes.
Reverse for Purchase mortgages offer a powerful solution for buyers looking to relocate or right-size their home in retirement.