Spiriter Financial has created a system whereby financial professionals are compensated for referring their clients for equity release or income solution programs.
By referring a lead, the agent and parent organization are removed from having to be involved with the transactional interactions with a client. This separation also shields you from having to be concerned about compliance and adherence to industry laws and regulations. Spiriter Financial assumes that responsibility and has in place the necessary firewall's, protocols and compliance audits as vetted by one of the national top law firms.
To service the transactions, Spiriter Financial has built a host of solid, controlled relationships with top tier providers of products in our vertical areas. On your behalf, Spiriter Financial dictates how the client is managed and how the transaction is processed. Your clients are handled with courteous professionalism by a knowledgeable staff trained in the specific areas of referral.
When you, the agent, sign an agreement with Spiriter Financial, our obligations are clear. If the lead is purchased by one of our partners, you are compensated for the lead regardless of the final disposition of the transaction.
The Spiriter Financial Lead Referral Program makes the equity release or income solution process simple. Educate the Consumer, provide us the lead and we do the rest.
If you are interested in becoming a partner, please contact me!
kevin@spiriter.com
Until recently, there were two main ways to get cash from your home. You would have to move or you could borrow against your home. If you borrowed against your home, you would have to make monthly loan repayments.
Now there is a third way of getting money from your home that does not require you to leave it or to make regular loan repayments.
“REVERSE” MORTGAGES
A “reverse” mortgage is a loan against your home that you do not have to pay back for as long as you live there. With a reverse mortgage, you can turn a portion of the value of your home into cash without having to move or to repay a loan each month. The cash you get from a reverse mortgage can be paid to you in several ways:
- All at once, in a single lump sum of cash;
- As a regular monthly cash advance;
- As a “creditline” account that lets you decide when and how much of your available cash is paid to you; or
- As a combination of these payment methods.
No matter how this loan is paid out to you, you typically don’t have to pay anything back until you die, sell your home, or permanently move out of your home. To be eligible for most reverse mortgages, you must own your home and be 62 years of age.

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