Offers construction financing, lot financing and ARM mortgages

Mortgage financing including mobile homes on owned land.

Provides financing for mobile homes on leased land

Mortgage Loan Officer 

Hello! I’m your dedicated home loan professional, Paul Santumo. Whether you’re ready to refinance, renovate or buy a new home, I’m here to help guide you through the process. I offer smart, affordable loan options to help you achieve your goals.

Working exclusively in the HECM industry for the past 15 years, he established himself as an industry expert excelling at sharing the value of home equity retirement planning. Education has always been the hallmark of his career where he has developed curriculum for CFPs, CPAs, and Realtors, and has taught hundreds of professionals the value of using HECMs in retirement planning. Bob has a passion for his work, because he has seen time and time again how home equity management allows his clients the dignity, quality of life, and financial security they deserve.

The HECM has changed dramatically over the past seven years. Bob’s years of experience and interactions with educators and financial planners have led him to develop a multi-faceted approach to HECM financing. Most people think of the HECM to supplement social security, but many are not aware of the power of the HECM in retirement planning. The HECM can have tremendous benefits in portfolio management, moving in retirement, healthcare and long-term care spending and the most popular approach is the HECM Rate and Term Refinance. The flexibility of the HECM has allowed Bob to write loans for retirees ranging from those in foreclosure and to others with multi-million-dollar portfolios.